Should You Call the Police for a Fender Bender?
A fender bender, also known as a minor collision, is a common occurrence on the road. If you’ve ever been involved in one, you’re probably wondering whether you should call the police or not. In this article, we’ll help you decide whether or not to make that call.
Direct Answer: Should You Call the Police for a Fender Bender?
The answer to this question largely depends on the severity of the collision and the specific circumstances of the incident. Here’s a general rule of thumb:
- If the collision is serious, meaning there’s damage to property, injury, or worse, you should absolutely call the police.
- If the collision is minor, with no damage, no injury, and no exchange of insurance information, you can consider calling the police, but it’s not always necessary.
Why Call the Police for a Fender Bender?
There are several reasons why you might want to call the police, even if the damage is minor:
- Get a Police Report: A police report can be valuable in resolving any potential insurance claims or disputes.
- Secure the Scene: If you’re exchanging insurance information or waiting for repairs, calling the police can ensure your safety and the safety of others at the scene.
- Resolve Disputes: Police can help mediate disagreements between drivers and resolve issues related to fault, damage, and insurance claims.
- Document the Incident: A police report provides a neutral, objective account of the incident, which can be useful in court or during insurance disputes.
When Not to Call the Police for a Fender Bender
While there are circumstances where it’s a good idea to call the police, there are also times when it’s not necessary:
- No Property Damage: If there’s no damage to property or vehicles, you can probably skip the call.
- No Injury: If no one is injured, you’re less likely to need to call the police.
- Exchange of Insurance Information: If drivers are willing to exchange insurance information and contact each other’s insurance companies directly, there’s less need for the police.
- Local Ordinances: Check your local ordinances; some jurisdictions may require a police report for all vehicle collisions.
Fender Bender? Here’s What to Do
Whether or not to call the police, there are certain steps you should take when involved in a fender bender:
- Exchange Information: Get the other driver’s name, address, phone number, and insurance information.
- Document the Scene: Take photos of the damage, as well as any witness statements or descriptions of the accident.
- File an Insurance Claim: Notify your insurance company and provide a detailed account of the incident.
- Report to the Insurance Company: Even if you’re not filing a claim, it’s essential to notify your insurance company of the incident to update your records.
Summary Table
Here’s a summary of when to call the police for a fender bender:
| Severity of the Collision | Should You Call the Police? |
|---|---|
| Serious (property damage, injury, etc.) | Yes, absolutely call the police |
| Minor (no damage, no injury) | Consider calling the police, but it’s not always necessary |
In conclusion, whether or not to call the police for a fender bender depends on the severity of the incident and the specific circumstances. While it’s always better to err on the side of caution, there are times when a police report is not necessary. Remember to document the scene, exchange information, and report the incident to your insurance company. With this guide, you’ll be better equipped to decide whether to call the police for a fender bender.
