Vehicle accidents occur regularly throughout the state of California. Thankfully, the vast majority of motor vehicle accidents only result in relatively minor injuries or property damage. However, just because it seems like an accident is “minor” does not mean that those involved should take it any less seriously than other types of car accidents. Here, we want to discuss the steps you need to take after a minor car accident and why it is important to take these steps.
Understanding That “Minor” May Not Be the Case
Often, when people get into a minor accident, they later realize that the problems caused by the incident are far worse than initially thought.
Hidden Vehicle Damage
Many people assess an auto accident based on the visible damage to their car. However, looks can be deceiving. A minor crash may leave only a small dent or scratch, but the vehicle registration and underlying structure could have sustained hidden damage. Issues with the frame, suspension, or internal mechanics may not be immediately noticeable but could lead to expensive repairs down the road.
Delayed Injuries
Similarly, many car accident victims do not feel pain or recognize injuries immediately after an accident. The rush of adrenaline from the car crash can mask pain, making individuals believe they are uninjured. However, common injuries such as whiplash, concussions, or soft tissue damage often do not manifest symptoms until hours or even days later. More severe injuries, including traumatic brain injuries (TBIs), can have long-term effects on a person’s health and well-being.
For these reasons, it is critical to treat every car accident claim seriously, regardless of how minor it seems at first.
Report the Incident to the Police
In the aftermath of a minor car accident, it is still important to call the police so they can conduct a preliminary investigation. Even if the damage appears insignificant, having a police report ensures that the accident is documented properly.
A police report can serve as crucial evidence when dealing with an insurance company. Some drivers may try to convince others to settle the issue without involving authorities, but this can be risky. If the other driver later denies responsibility or claims more damage than expected, a lack of an official report can make it difficult to support your insurance claims.
Gather Evidence to Show Liability
Regardless of how minor an accident may seem, gathering solid evidence can make a significant difference in a personal injury claim or property damage dispute.
Collecting Key Information
At the accident scene, drivers should exchange contact and insurance information, including names, phone numbers, driver’s license details, and vehicle registration. If there were any eyewitnesses, their contact and insurance information should also be collected in case their statements are needed.
Taking Photos and Videos
Using a smartphone or another camera, individuals should document the car accident scene, capturing vehicle damage, road conditions, traffic signals, skid marks, and any visible injuries. This visual evidence can support a car accident claim and help determine liability.
Seek Medical Attention
Even in a minor accident, seeking medical care is essential. Some injuries, such as traumatic brain injuries (TBIs), may not be immediately apparent. A doctor can assess for common injuries such as whiplash, internal bleeding, and concussions.
Medical Records and Insurance Claims
Obtaining medical care also creates an official record of injuries. These medical records can be crucial when filing an insurance claim or seeking compensation for medical bills and other medical expenses related to the accident.
Dealing with Insurance Companies
Filing a claim with an insurance company is a necessary step after a minor car accident, but the process is not always straightforward. Insurance claims can become complicated if the other driver disputes fault or if the insurance company attempts to minimize the payout.
Understanding Your Rights in a Car Accident Claim
After a car crash, victims should understand their rights under California car accident law. California follows a fault-based system, meaning the driver responsible for the accident is liable for damages. Victims can file a personal injury claim to seek compensation for medical expenses, property damage, and lost wages.
Dealing with Insurance Adjusters
When speaking with an insurance company, drivers should be cautious about what they say. Adjusters may try to downplay injuries or shift fault to minimize the payout. Providing a clear, factual statement and relying on documentation, such as the police report and medical records, can help protect one’s rights.
When to Seek Legal Representation
While many minor car accident cases can be resolved through insurance claims, there are situations where legal representation is necessary.
Complicated Insurance Disputes
If the insurance company denies a claim, disputes liability, or offers an inadequate settlement, an attorney can help negotiate a fair resolution. Car accident law can be complex, and having a lawyer handle the legal aspects of a car accident claim can make a significant difference.
Serious Injuries and Long-Term Effects
If an individual sustains severe injuries from a minor crash, legal action may be necessary to recover adequate compensation for medical expenses and long-term care. This is especially true in cases involving traumatic brain injuries, spinal damage, or chronic pain that impacts quality of life.
Get an Attorney from Callahan & Blaine
Even a minor car accident can have significant consequences, from hidden vehicle damage to delayed injury symptoms. Taking the right steps – including reporting the accident, gathering evidence, seeking medical care, and handling insurance claims – can make a major difference in the outcome of a car accident claim.
If you or somebody you care about has been injured or sustained property damage in a car crash, you may need to seek assistance from an attorney. Please understand that even relatively minor vehicle accident injuries and property damage can result in thousands of dollars worth of bills. Recovering compensation in these situations can be challenging, but our car accident attorney will be able to help cut through the red tape and deal with insurance carriers.
FAQ about Minor Car Accidents
Do I need to report a minor car accident to the police?
Yes, it is always a good idea to file a police report after a minor car accident, even if the damage appears minimal. A police report provides an official record of the auto accident, which can help when filing an insurance claim or dealing with liability disputes. Some states require accident reports for any crash involving injuries or significant property damage.
Can I still file a claim with my insurance company after a minor accident?
Yes, even if a minor accident does not seem serious, you should notify your insurance company as soon as possible. Some injuries, such as traumatic brain injuries, may not present symptoms right away, and hidden vehicle damage can lead to costly repairs. Filing a claim ensures that your expenses, including medical bills, vehicle repairs, and other losses, are covered under your policy.
What if the other driver refuses to provide their insurance information?
All drivers involved in a car crash are legally required to exchange contact and insurance information. If the other driver refuses, remain calm and call the police to report the accident. The authorities can help document the situation and ensure that the necessary details are collected for your car accident claim.
Can I recover compensation if I was partially at fault for a minor car accident?
In many states, including California, you may still be able to recover compensation even if you were partially at fault for the car accident. Under comparative negligence laws, the amount of compensation you receive may be reduced based on your percentage of fault. Consulting an attorney can help you understand your rights and how fault is determined in an auto accident.
How long do I have to file an insurance claim after a minor car accident?
The deadline for filing an insurance claim varies depending on your insurance company and state laws. However, it is best to report the minor car accident as soon as possible to avoid complications. Delays in reporting can lead to claim denials or disputes, especially if there is no police report or medical documentation to support your case.
