At the scene of the accident, it is always a good idea to call your insurance provider however; there are some instances where it is not necessary to file a car accident claim.

  • Single car accident- A single car accident always means that you are determined to be the at-fault party. There was no one else involved therefore you are solely responsible. If you do not have collision coverage your insurance policy is not responsible for the damages.
  • Costs of repair are low– If you can afford the costs of repair it might be a better option in comparison to deductible costs.
  • No damage- Often times, small fender benders result in little to no damage to either car. It would be wise to exchange information just to be careful however, not necessary to file an auto accident claim.