Everybody has a first fender bender. It represents a young driver’s loss of driving innocence or an abrupt—bump!—collision with the real world. One minute you’re soaring along, on top of the world, and the next a red-faced citizen is wagging a finger in your face and fluids are leaking out of the wounded animal (Vehicle), and that is mom and dad’s car. The damage inflicted on a car in one collision can vary widely from the damage sustained to another car in another crash. With different auto body types, different internal mechanisms depending on manufacturer specifications, and different intensities of impact, the amount of time it will take to get your car back in working order will depend on the amount of repair work needed.
Fender benders are usually sudden and unexpected. They happen in the most unlikely places. Let’s define fender bender and compare it to other auto accidents before we go further. According to Dictionary.com fender benders is a minor collision between motor vehicles. In many cases, these type of collisions do minor damage to vehicles, be it bumper damage, scratches or paint chipping.
It is an accident
The first thing to realize is that even a small fender bender is an accident and should be treated as seriously as you would in an auto accident crash. The main reason for this is because the damage is done and someone is ultimately responsible for it. You may not care about the small dent on your car, but does the other driver care? Is he/she likely to sue you for damages? Because of these reasons, it’s important to take the correct steps to make sure that this fender bender situation doesn’t turn into a bigger problem for you or the other driver. If the accident is your fault, of course, your insurance should pay for the damages to the other driver’s vehicle.
Fender benders tend to happen at the worst possible times. Roughly 15% of all fender benders happen in the parking lot. Imagine spending a couple of hours grocery shopping only to end up with a fender bender as you leave the store’s parking lot. It’s no fun. The worst thing you can do is get agitated further. Take a deep breath and collect your thoughts.
It’s important that you exchange information with the other driver. It may seem like a small issue but by exchanging the information you ensure the other driver cannot claim that you fled the scene and make things worse for you. You may also need this information in case you choose to file a claim with your insurance. At the very minimum, get the other driver’s name, Drivers License number, insurance card (take a picture) and the vehicle’s tag number. Read more…
Your car was recently involved in a low impact fender bender which dented the bumper and scratched some paint. Because the accident was so minor, you’ve decided to skip taking it to an auto body shop. But is that wise? Even minor fender benders can cause more serious underlying problems to your car that may not show up until later. And when those issues finally present themselves, repairs can be costly. Whenever your vehicle sustains body damage that’s more than paint scratches it’s wise to have it inspected at a collision repair shop.
If you drive long enough, it is very likely that you will be involved in a fender bender. In fact, insurance companies that base their entire business model on calculating when you’ll have your next accident estimate that the average driver will be involved in an accident about once every 18 years. And that’s based on billions of dollars of research over more than three-quarters of a century. Even if you’re the world’s best driver, the people around you may not be as skilled. So if you’ve never been in an accident, consider yourself lucky. But it always pays to know what to do if it ever happens. By far, the most common automobile accident is what we call a fender bender, with minimal damage and no injuries. Here at TrustDALE, we want to make sure you know exactly what to do after a fender bender.
Your very first concern after any accident should be safety. First, assess whether anyone in either car is injured. Since we’re talking about fender benders here, we’ll continue on the assumption that no one has obvious injuries. The next thing to do is to get the cars to a safe spot. Again, assuming this is a real fender bender, you should be able to drive your vehicle to a place away from traffic. If your accident occurred in heavy highway traffic, do what you need to do to get to the side of the road. If you are on a surface street, find a safe spot on the side of the road or in a nearby parking lot.
Once you have moved to a safe place, your next step should be to exchange information with the other driver. The information you need, and the only information you should provide, is found on your respective insurance cards:
- Full name
- Insurance company
- Policy number
- The phone number for the insurance company
Some experts used to suggest getting further personal information, like phone numbers, email addresses, and driver’s license numbers. However, due to the risk of identity theft, the National Association of Insurance Commissioners now recommends sticking to the basic insurance information. If the other driver is pressuring you for more information, wait until the police arrive. They will be able to explain what information you really need to supply.
Should I Call My Insurance Company?
The short answer is yes. Call your insurance company as soon as possible. There is no requirement that you call while you’re still at the scene of the accident, but don’t wait too long to call. In an accident with no injuries and only minimal damage, some people want to avoid calling their insurance. They believe that:
- Reporting an accident will raise their premiums
- Any damage costs can just be “worked out” with the other driver
The problem with this is that almost every single insurance policy out there requires you to immediately report an accident, whether or not you were at fault. Failing to do so could cause problems down the line. Read more the full article here…
Vehicle accidents can be stressful, and even a fender bender can turn into a big problem. But fortunately, there are things you can do after a minor accident that can help you move on with getting your vehicle repaired and putting the collision behind you faster. The first thing you should do is to move the cars out of the way of traffic. With a minor collision like a fender bender, both vehicles should still be easily drivable. Moving them reduces the chances that they might be struck by another vehicle whose driver doesn’t realize the accident has occurred.
If someone taps the back of your bumper, it may leave behind a small dent. Due to the size, you may find yourself wondering if it is even worth the time and hassle to get it fixed. If you find yourself debating whether or not you should have a minor bumper dent fixed, here are some of the factors you should consider.
Who Was at Fault
Minnesota has no-fault auto insurance laws. Many people misunderstand this law and think that this means that it doesn’t matter who caused the accident. This is not true. These laws pertain only to medical treatment after you are injured in an auto accident. It doesn’t matter who is at fault for the accident, your insurance must pay for medical treatment to ensure you get the care you need promptly. It does not affect fault in regards to damage done to a car. If you were rear-ended, the other driver is at fault. As such, their insurance should pay for the repair.
Another factor to keep in mind when deciding whether to repair a minor dent in a bumper is that there may be more extensive damage that you do not see. There is typically a layer of foam behind the bumper. This foam helps to absorb some of the impacts of the crash. If it is damaged, it doesn’t bounce back into shape. If you don’t repair the foam and you are hit in the same part of your car, it may feel more severe because that insulating and absorbing protector is not there. This can cause you more bodily harm. As such, you need to find out if there may be hidden damage behind the dent before deciding whether or not to repair your bumper. See more here…
Get Your Fender Bender Damage Checked by a Pro
Even low impact fender benders can disrupt your car’s mechanical performance and compromise safety. And, any required future repairs can be costly as opposed to getting your car immediately inspected. When a fender bender strikes have your car checked out by a professional auto body technician right away.