Call your insurer You should talk to your insurance provider to determine the best option for dealing with a fender bender. If you do not report a fender bender and the other driver takes legal action against you in the future, you will not be covered by your car insurance.

How do you handle an accident in a parking lot?

What to do if your car is damaged in a parking lot

1. Contact your insurance agent. Let him or her know what happened as soon as possible.
2. Record evidence. Take pictures of the damage with your phone or a camera, if you have one on hand.
3. Take thorough notes.
4. Get backup.

Does my car insurance cover me in a private car park?

Insurance Cover for Private Car Parks Whilst most drivers will claim against their car insurance in the event of a car park accident, you may find yourself subject to a claim if someone is injured, or if their property is stolen or damaged.

How much does a fender bender raise your insurance?

WalletHub reports that if you’re responsible for an accident, even a minor fender bender, your insurance rates could increase by at least 50 percent. Even if you’re not at fault, you could still see your insurance rates increase by at least 12 percent, depending on your provider.

Do you have to pay your insurance for a Fender Bender?

Pay your deductible. You’ll have to pay the deductible on your policy before your insurance will kick in for repair costs. But if the other driver was responsible for the accident, your insurer may be able to pursue that party to recover your deductible (state laws vary on how this is done). An accident is never any fun.

When to report a Fender Bender to the police?

Should you report that fender-bender? Pop quiz: You and your SUV are in a minor, low-speed accident. Luckily, no one is injured, but there’s a little damage to your vehicle—more than just a scratch—and maybe to someone else’s car or property.

What to do in a fender bender with no damage?

Or, if you were in a fender bender with no damage, someone (not you, of course) might suggest just riding off into the sunset, no car insurance information exchanged. There are many reasons why that’s a bad idea ( all rounded up right here, BTW ), but if you’ve always wondered how to handle a seemingly minor car accident, well, we’re here to help.

Why are fender benders classified as minor car accidents?

Most insurance companies categorize fender-benders as minor car accidents because the people settle their claims quickly and seldom file lawsuits. Even minor accidents are stressful and inconvenient. Knowing what to do after a fender-bender will save you time, money and further aggravation. Protect Yourself After a Minor Car Accident