The majority of car accidents that occur are relatively minor “fender
benders” that result in no injury and no major damage. In these
circumstances, it is common to wonder whether or not you should report
the accident. The answer depends on the severity of the accident and the
communication between both parties.
When it comes to minor accidents, the most important thing to do is exchange
contact and insurance information with the other driver. Law enforcement
does not need to be involved in every minor car accident. In fact, state
law only requires that an accident be reported in certain circumstances.
In the state of Georgia, you are required to report a car accident under
the following scenarios:
- The accident has resulted in a death
- The accident has caused an injury
- The accident caused more than $500 of property damage
Of course, there are certain accidents in which it may be in your best
interest to alert the authorities of an accident, even if major damage
has not occurred. If it is apparent that the other driver is being uncooperative,
or if he or she does not have car insurance, a law enforcement officer
can help gather this information and write a report to document the facts.
Law enforcement may also be helpful when the other driver is cooperative,
but a potential good faith dispute exists between the two of you, so that
he or she can provide official, neutral insight that may be helpful down the road.
Find answers to more of your legal questions on our
car accidents information center.
Always Report Accidents to Insurance Company
No matter what the circumstances are, it is always important to report
an accident, however minor, to your insurance provider. Many people assume
that insurance rates will increase, or that it will be easier to work
out the matter with the other driver, and therefore refuse to report the
accident with their company. Not only is this a bad idea, but it also
violates your police, which requires you to report every accident in which
you are involved.
Failure to report the accident to your provider may also result in conflict
later on. Even if you and the other driver seemingly agree on things at
the time of the accident, he or she may discover injury or damage later
on and file a claim. Your insurance provider will likely deny certain
protection since you did not initially report it.
If you have any further questions or concerns about how to protect yourself
from insurance conflicts, please
contact our experienced team of Atlanta car accident lawyers.