Even a minor crash can lead to injuries and costs. Whether a claim is worth pursuing depends on your damages, the insurer's response and the effort involved.
Think about hidden costs
- Delayed injuries such as neck or back pain.
- Deductibles and premium increases.
- Lost time at work.
- Diminished value of your car.
Steps
- Report the crash and exchange information.
- Photograph damage.
- See a doctor if you feel any symptoms.
- Report to your insurer and the other driver's insurer.
- Keep all records.
Insurer offers
A quick offer may cover repairs but not later medical costs. Do not sign a release for injuries before you know your recovery. For small amounts, handle the claim yourself or use small claims if the insurer refuses.
When to consult a lawyer
Consider one if injuries develop, fault is disputed or the insurer denies the claim. See our guide to deciding whether to hire a lawyer.
Frequently asked questions
Should I call the police for a minor crash?
It is usually wise, since a report helps with insurance.
Will my rates increase?
Possibly if you are at fault.