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Do you need a police report for a fender bender?

The majority of traffic collisions that occur around the United States are minor fender benders. You'd never know it by reading or watching the reports of the most serious wrecks, though. A car in Oklahoma becoming lodged underneath a school bus makes for an enticing read, but it will likely not apply to a car accident you end up in. 

One of the first things you should do after an auto accident involves contacting the police. They should come out to create an official police report. In the event you take your claim to court, this report will serve as an excellent piece of evidence if you are not at fault. However, you may wonder if you need one at all if you are in a minor fender bender. 

You may have injuries with delayed symptoms

A fender bender is any car accident the results in minimal damage to both vehicles involved. You may not have traveled very fast, but you may still suffer from whiplash, concussion and other health conditions. These symptoms may not manifest until the next day, but by that point, it will be too late to contact the police. You should still see a doctor just in case. 

Your vehicle could have hidden damage

You also need to be aware of the effects a fender bender can have on your car's other components. The rear bumper may have a slight dent, but the impact may have been enough to damage your car's suspension. It could cost quite a lot to fix your vehicle, so you still need to file a claim. 

The police may not come out

After a fender bender, it works in your best interest to try to get the police to come out to file a report. However, if no one has any visible injuries and the damage seems minimal, it is possible law enforcement will not come out at all. With this in mind, you should always exchange insurance information with the other driver, so you can file a report that way. 

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