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 small 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 the right 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 are entitled to 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 have a major impact on your life or that you shouldn’t seek compensation.

For example, we handled a case involving a low-speed accident where vehicle damage was minimal. Despite this, the case led to over two years of intense litigation. Our client, a passenger at the time, had a rare medical condition that complicated the claim and required input from both medical and legal experts. Leveraging our extensive legal experience and a strong network of healthcare specialists, we successfully secured a $1,100,000 settlement.

Never assume that a collision is too minor to pursue. You deserve fair compensation for any harm you suffer, regardless of the collision’s severity. 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 provides coverage for 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 case of 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. Having the right insurance policy can provide peace of mind and financial protection. Always check your policy to ensure 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, you must still establish their liability.

Fender benders may not seem serious, but they can still result in costly repairs and medical expenses. Establishing fault ensures the proper party is held accountable and that all damages are covered.

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

• Rear-End Collisions — The rear driver is usually at fault in most rear-end accidents. For example, a driver distracted by their phone might fail to notice 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 skilled car accident lawyer from one of California’s most prominent personal injury law firms is best. They can help you prove liability and seek fair compensation.

How An Attorney Can Help You After A Fender Bender Accident

Hiring a car accident attorney can 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 uncooperative 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 still wondering, “Do I need a personal injury lawyer?” the answer is yes. Here’s how a qualified lawyer can help:

• They will handle all the legal details, so you don’t have to worry about complicated insurance policies or legal processes.
• Your car accident attorney 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 case-related expenses upfront. They typically cover all costs and only charge a fee if they win your case.
• Lawyers can communicate directly with insurance companies to ensure the latter doesn’t pressure you into a low settlement.
• They help you determine the value of your case and ensure you receive full compensation.
• They will gather substantial evidence, such as medical records, accident reports, and witness statements, to build a strong case.
• Your attorney is ready to represent you in court to protect your rights.

With the best fender-bender attorney by your side, you can focus on getting better while they fight for the restitution you deserve. You shouldn’t have to deal with the stress of legal and insurance issues on top of your recovery. Let an experienced car accident lawyer take care of the legal details so you can move forward.

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 easier. The recommended steps below can guide you on what to do immediately after:

1. First, ensure you’re okay and check if anyone else is hurt. If possible, move your vehicle to a safe spot away from traffic. If that’s not possible, use warning devices or reflectors to warn other drivers and prevent further accidents.
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. Be sure to 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 ensures they can handle any claims correctly.
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, protect your rights, and fight to secure the compensation you deserve 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 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” to convince you it’s not serious. They may downplay the situation to avoid paying for damages or injuries. Don’t fall for it! Even minor incidents can cause significant injuries and long-term pain.
• 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 right to compensation. Working with a car accident lawyer can help keep your case on track and ensure the preservation of 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 with confidence. If you have any further questions, call our car accident lawyers at (888) 488-1391 to protect your rights and get the compensation you deserve.

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 is often a smart move.

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

• If There Are Injuries — In California, you 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 of these applies, you must also report the accident to the Department of Motor Vehicles (DMV) within 10 days. Filing a police report can also help protect you. It provides an official record of the accident, which can be helpful for insurance claims or legal issues.

It’s always better to document the details, especially if the situation escalates afterward. If you’re unsure, contact car accident attorneys to guide you through the process.

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

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

1. Notify your insurer as soon as possible, ideally within 24 hours. Prompt notification ensures they know the situation and can 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 protect your rights and negotiate a fair settlement.

For personalized legal assistance, call Arash Law by calling (888) 488-1391 or fill out our “Do I Have A Case?” form. Our lawyers can assist in your recovery and make the insurance process more manageable.

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

Yes, 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 car accident attorney will evaluate your case to determine its true value, considering medical bills, repair costs, and pain and suffering. Many offer free consultations, so speaking with an attorney can help you understand your options with no risk.

Injured In A Fender Bender? Call Our Top-Rated Lawyers Today

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 have the right to seek compensation.

Our California fender bender lawyers can help you navigate the legal process and fight for the financial recovery you deserve. At Arash Law, we’ve helped thousands of accident victims recover maximum restitution for their injuries. With full-service offices in Los Angeles, Sherman Oaks, Riverside, San Diego, San Francisco, Pasadena, Sacramento, and San Jose, we’re always ready to assist you. Regardless of where you are in California, we can come to your location 24/7 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.