Does A Fender Bender Count As An Accident?

Many people use the term “fender bender” to describe a minor car accident, but does it actually count as a real crash? The short answer is yes. While there’s no official legal definition, a fender bender generally refers to a low-speed collision that results in minimal damage, such as minor dents, scratches, or a slightly misaligned bumper.

However, even minor accidents can have serious consequences. Vehicle repairs can be costly, especially with modern safety features like sensors and cameras. Additionally, injuries, such as whiplash, may not be immediately noticeable and can lead to unexpected medical expenses later. That’s why it’s essential to treat every collision seriously, report the incident, and take the necessary steps to protect yourself and your rights.

Common Types Of Fender Benders

Fender benders can happen in a variety of everyday situations, including:

• The Stop-and-Go — A vehicle is rear-ended while stopped or moving slowly.
• The Tight Space — One vehicle clips another while parking in a tight spot.
• The Bumper-Car — A car backs into another vehicle in a parking lot.
• The on-the-Move — Two cars collide as one pulls into moving traffic.

Even in low-speed accidents, do not overlook the damage and potential for injury. Always document the scene, exchange information, and consider seeking medical attention if you experience any discomfort.

There’s also the potential for injuries, even if they aren’t immediately apparent. Whiplash, for example, is a common injury in low-speed accidents and can develop symptoms hours or even days after the collision. Such injuries can lead to unexpected medical costs in the future.

If you’ve been in a fender bender caused by another driver’s negligence, you may have grounds to seek compensation for your injuries, medical expenses, and vehicle damage. A fender bender lawyer can help you understand your legal options, navigate the insurance process, and work toward a fair settlement for your losses.

Is A Fender Bender Considered An Accident In Injury Claims?

A fender bender is still an accident and can cause injuries or damages that justify compensation. In fact, rear-end collisions, a common type of fender bender, account for 32.3% of all crashes, according to a study citing the National Highway Traffic Safety Administration (NHTSA).

Depending on the circumstances, low-speed collisions can cause soft tissue, neck, shoulder, and, in extreme cases, spinal cord injuries. These injuries can result in significant pain, discomfort, and sometimes long-term effects. Recovery may take months or even years, requiring ongoing medical treatments like physical therapy or chiropractic care.

Crash victims may be able to pursue various types of damages in personal injury claims, including:

• Medical expenses for treating your injuries.
• Out-of-pocket costs for vehicle repairs, rental cars, or other accident-related expenses.
• Lost wages if you missed work due to your injuries.
• Pain and suffering caused by the accident and its effects on your life.

Just because an accident seems minor doesn’t mean it won’t significantly impact your life or that you shouldn’t seek compensation.

Don’t assume that a collision is too minor to pursue. Depending on the circumstances, you may have grounds to pursue compensation for any harm you suffer, regardless of the collision’s severity. Initial consultations with our car accident lawyers are free. Let us help you understand your rights and legal options.

Does Insurance Cover Fender Benders?

Insurance generally covers fender benders, but the specifics depend on the type of coverage you have and the circumstances of the accident.

Here are the main types of insurance that can cover fender bender incidents:

• Collision Coverage — Collision coverage covers damage to your car caused by hitting an object, such as a telephone pole, guardrail, or mailbox, or from flipping over.
• Liability Coverage — If a driver is at fault in a fender bender, their liability insurance can cover damage to the other party’s vehicle or property. It also covers medical expenses related to injuries sustained by other vehicle occupants or pedestrians. In some cases, liability insurance may also cover legal defense costs.
• Uninsured/Underinsured Motorist (UM/UIM) Coverage — Your UM/UIM coverage kicks in if the other driver doesn’t have enough insurance to pay for your damages. It can cover medical expenses or property damage caused by the accident. This coverage can also be used in a hit-and-run fender bender accident.
• Rental Reimbursement Coverage — If your car needs repairs after a fender bender, this coverage can pay for a rental car while your vehicle is at the shop.

Fender benders may seem minor, but repairs and medical costs can add up quickly. The right insurance policy can help protect you from unexpected expenses. Always review your policy to check if you have adequate coverage for unexpected motor vehicle accidents.

Whose Insurance Pays For My Fender Bender Accident?

California follows a fault-based system, meaning the driver responsible for a traffic accident must pay for the damages. Their insurance company typically covers medical expenses, vehicle repairs, and other losses.

Even if the crash seems minor, it’s important to report it to your insurer. While the at-fault driver’s insurance is responsible for covering costs, it’s essential to still establish their liability.

Fender benders may not seem serious, but they can still result in costly repairs and medical expenses. Establishing fault helps determine which party may be held responsible and how damages may be addressed.

However, determining fault depends on the circumstances of the accident.

• Rear-End Collisions — In most rear-end accidents, the rear driver is usually at fault. For example, a driver distracted by their phone might fail to notice that the car in front has slowed, leading to a collision.
• Chain Reaction Accidents — In some cases, the fault isn’t clear-cut. In chain reaction accidents, one car may push another into a third, making the middle driver not at fault.

Establishing fault is essential for insurance coverage, even in minor accidents. If you’ve been in a fender bender, speaking with a qualified car accident lawyer from an experienced California personal injury law firm can be beneficial. They can conduct a thorough investigation and gather evidence to help you establish liability and seek accountability against the at-fault party.

How An Attorney Can Help You After A Fender Bender Accident

Hiring a car accident attorney can help protect your rights in case of injury in a low-speed vehicle accident. While a fender bender may seem straightforward, car accident claims can involve complicated issues, such as determining liability, dealing with insurance companies, and assessing the full extent of your damages. An experienced attorney can manage these complexities, allowing you to focus on recovery.

So, if you’re wondering, “Do I need a personal injury lawyer?”, here’s how a qualified lawyer can help:

• They will handle all the legal details, so you don’t have to deal with complicated insurance policies or legal processes.
• Your attorney for car accidents will manage your claim or lawsuit while you focus on recovering from your injuries or returning to work.
• If your lawyer follows a contingency fee structure, you won’t have to pay for their legal services up front. They typically only charge attorney’s fees if your case results in a settlement or a verdict. Note that other case-related costs may still apply, regardless of the outcome.
• Lawyers can communicate directly with insurance companies to help address issues that may arise during the negotiation process, such as low settlement offers, disputes over liability, delays, and denial of claims.
• They help you determine the value of your case and work towards compensation that reflects your actual losses.
• They will gather substantial evidence, such as medical records, accident reports, and witness statements, to build a well-supported case.
• Your attorney is ready to represent your interests in court and advocate for your rights.

With an experienced fender-bender attorney by your side, you can focus on getting better while they pursue compensation from the responsible parties for the harm they have caused. You shouldn’t have to deal with the stress of legal and insurance issues on top of your recovery. Let an experienced lawyer for accidents take care of the legal details so you can focus on your health.

What To Do After A Fender Bender

If you know what to do after a fender bender, you’ll feel more in control and ready to handle the situation. Taking the proper steps can help keep you safe, protect your rights, and make dealing with insurance companies more efficient. The steps below can guide you on what to do immediately after:

1. First, check that you’re okay and if anyone else is hurt. If possible, move your vehicle to a safe spot away from traffic. Use warning devices or reflectors to warn other drivers and prevent further accidents if that’s impossible.
2. Call 911 to report the accident so paramedics can assist if anyone is injured and an officer can investigate the incident. The police will document the accident and file an official report.
3. Exchange contact, vehicle, and insurance details with the other drivers. Take photos of the scene, including vehicle damage and any visible injuries. Note details like road conditions, traffic signs, and weather. Collect the contact information of any witnesses.
4. Call your insurance company to report the accident. Failing to do so could violate your policy, and keeping them informed may assist with the claims process.
5. Contact Arash Law at (888) 488-1391. Our team will thoroughly assess your situation and help you understand your options. We’ll guide you through the claims process, advocate for your rights, and work to help you pursue compensation for your injuries and losses.

When To Call A Car Accident Lawyer After A Fender Bender

If you’re involved in a fender bender, you may ask, “Is it worth getting an attorney?” While you may believe the accident is not severe enough to warrant legal representation, there are situations when consulting a skilled car accident lawyer can make a significant impact on the outcome of your claim. Here’s when you should see a personal injury lawyer:

• The Liable Parties Try to Downplay the Severity of Your Accident — Sometimes, the person at fault for your accident might call it a “fender bender” or suggest that it’s not serious. However, even minor incidents can cause significant injuries and long-term pain. It’s important to have your condition evaluated and to understand your rights after any accident.
• You Suffer Injuries That Have Lasting Effects on Your Life — Even if the crash seemed minor, your injuries could be more serious than they initially appear. Chronic neck or back pain, for example, or back injuries can persist for months or even years, impacting your ability to work and enjoy daily activities with loved ones.
• You’re Facing Emotional Distress After the Accident — Fender benders can lead to more than just physical injuries. You may experience emotional trauma, such as anxiety or depression. These issues can affect your mental health and your quality of life.
• The Statute of Limitations Is Close to Expiring — File your personal injury case within the statute of limitations, the legally required timeframe. Waiting too long could mean losing your ability to pursue compensation. Working with a dedicated car accident lawyer can help keep your case on track and help preserve crucial evidence.

Fender Bender FAQs

Even minor car accidents, like fender benders, can raise many questions about insurance, liability, and next steps. This FAQ section provides clear and concise answers to help you navigate the aftermath. If you have further questions, call our car accident lawyers at (888) 488-1391 to discuss your case and determine if you have a valid claim.

Should I Report A Fender Bender To The Police?

It depends on your situation. While not every minor accident requires a police report, filing one can be beneficial.

Here’s when you should report a fender bender to the police:

• If There Are Injuries — In California, victims must report the accident, ideally within 24 hours, if anyone is injured.
• If Property Damage Exceeds $1,000 — If the damage is $1,000 or more, a police report is required. Even minor dents or scratches can quickly exceed this amount.

If either applies, it’s crucial to report the accident to the Department of Motor Vehicles (DMV) within 10 days. Filing a police report can also help support your claim. It provides an official record of the accident, which can be helpful for insurance claims or legal issues.

It’s essential to document the details, especially if the situation escalates afterward. If you’re unsure, contact our attorneys for car accidents for guidance.

Should I Call My Insurance Company Or The Other Driver’s First After A Fender Bender?

If another driver caused the accident, you may be able to file a compensation claim with their insurance company. However, it’s important to still report the incident to your own insurer. Here’s what you can do after a fender bender:

1. Notify your insurer promptly, ideally within 24 hours. Prompt notification helps them know the situation and guide you through the process.
2. File a claim with the at-fault driver’s insurance provider. Contact their insurance company to initiate a third-party claim for vehicle repairs, medical expenses, and other damages.
3. Dealing with insurance can be tricky, especially when recovering from an accident. An experienced attorney can help handle all communications and negotiations on your behalf.

Call Arash Law at (888) 488-1391 for personalized legal assistance or complete our “Do I Have A Case?” form. Our lawyers can assist in your recovery and help make the insurance process more manageable.

Will A Lawyer Accept A Case If The Accident Seems Minor?

It depends on the specifics of the case. Many lawyers accept cases involving minor accidents, especially if there are injuries, hidden damages, or insurance disputes. Even low-speed collisions can lead to medical expenses, vehicle repairs, and long-term effects that justify legal action.

A qualified car accident attorney will evaluate your case to determine its actual value, considering medical bills, repair costs, and pain and suffering. Many offer free initial consultations, so speaking with an attorney can help you understand your options without obligating you to hire one.

Injured In A Fender Bender? Our Lawyers Are Ready To Help

A fender bender is still an accident, and it can lead to unexpected costs, including medical bills and vehicle repairs. Even minor collisions can cause injuries that worsen over time. If another driver’s negligence caused the crash, you may have grounds to seek compensation.

Our California fender bender lawyers can help you navigate the legal process and work towards fair financial recovery in accordance with the law. At Arash Law, we’ve helped accident victims pursue compensation for their injuries. We offer our services to clients in Los Angeles, Sherman Oaks, Riverside, San Diego, San Francisco, Pasadena, Sacramento, and San Jose. We are ready to assist you. Regardless of where you are in California, we can arrange a meeting at a time and location of your choosing to discuss your case.

Contact us today at (888) 488-1391 for a free case review. Let our car accident attorneys handle the legal legwork while you focus on your recovery.