Fender Bender: What Now?

Updated: 9/24/2024

A fender bender is a minor car accident, usually involving low speeds and minimal damage. While they’re common, knowing what to do after one can be confusing. Let’s break down the steps you should take if you find yourself in this situation.

Safety First

After a fender bender, your first move should be to check if anyone’s hurt. Even though only about 3% of fender benders need medical help, it’s always better to be safe. If it’s possible and safe to do so, move your cars off the road. This helps prevent more accidents and keeps everyone safer. Learn more about our collision repair services that can help get you back on the road safely.

Once you’re in a safe spot, it’s time to document what happened. Take lots of pictures of the damage to both cars and the area around the accident. Include shots of the overall scene, close-ups of damage, and any relevant road signs or traffic signals. If anyone saw what happened, ask for their contact info. This can be super helpful later if there are any questions about the accident.

Swapping Information

Next up, you need to trade contact and insurance details with the other driver. This is actually required by law in all 50 states. Make sure you get their name, phone number, insurance company, and policy number. Give them your info too. It might feel awkward, but it’s an important step that’ll make things easier later on.

Be thorough but avoid discussing fault or making any statements that could be interpreted as admitting guilt. Stick to exchanging the necessary information in a calm and polite manner.

Dealing with Insurance and Police

About 87% of drivers file an insurance claim after a fender bender. It’s a good idea to call your insurance company soon after the accident. They can guide you through what to do next and may even send an adjuster to the scene if necessary. Keep in mind that your insurance rates might go up a bit (usually 3-10%) for about three years after a fender bender, but this can vary depending on your policy and driving history.

As for calling the police, it depends on how bad the accident is. If the damage looks like it might be over $1,000 or if anyone’s hurt, you should probably call them. They’ll file an official report, which can be really helpful when dealing with insurance later. Even for minor accidents, a police report can provide an objective account of the incident. “>Learn about our assistance with insurance claims to make this process smoother.

Checking Your Car

Even if your car looks okay after a fender bender, it’s smart to have it checked out by a pro. About 15-20% of fender benders have hidden damage that you can’t see just by looking. This hidden stuff can cause problems later and even make your car worth less if you try to sell it. In fact, a fender bender can lower your car’s value by 10-25%.

Hidden damage might include misaligned wheels, frame damage, or issues with the car’s internal systems. These problems can affect your vehicle’s safety and performance if left unaddressed. Explore our comprehensive vehicle inspection services to make sure your car is truly okay after an accident.

Modern Car Tech and Repairs

If your car is newer, it might have special safety features called Advanced Driver Assistance Systems (ADAS). These are things like automatic braking, adaptive cruise control, or lane-keeping assist. After a fender bender, these systems might need to be recalibrated to work right again. This can cost between $250 and $1,200, depending on your car and the specific systems involved.

Electric and hybrid cars might need special attention too. Their battery systems and electrical components require specialized knowledge and equipment for proper inspection and repair. And sometimes, even a small accident can cause frame damage that needs to be fixed. Modern unibody construction means that even minor frame damage can affect your car’s overall structural integrity and safety. Check out our state-of-the-art repair facilities that can handle all these modern car needs, ensuring your vehicle is restored to its pre-accident condition and safety standards.

Preventing Future Fender Benders

The best way to deal with fender benders is to avoid them in the first place. Here are some tips:

• Keep a safe distance from the car in front of you. This can reduce rear-end collisions by 39%. A good rule of thumb is to maintain at least a three-second gap between you and the vehicle ahead.
• Don’t drive distracted. Distractions cause about 80% of all car crashes. Put your phone away, avoid eating while driving, and stay focused on the road.
• Use your car’s safety features. ADAS can cut rear-end collisions by up to 50%. Familiarize yourself with your vehicle’s safety systems and ensure they’re always active.
• Regularly maintain your vehicle. Well-maintained brakes, tires, and other critical components can help you avoid accidents.
• Stay aware of your surroundings. Constantly scan the road ahead and check your mirrors to anticipate potential hazards.

Wrapping Up

Fender benders are never fun, but knowing what to do can make them less stressful. Remember to stay safe, document everything, and get your car checked out by a pro, even if it looks fine. Keep all your documentation organized, including photos, repair estimates, and correspondence with insurance companies. And if you need help with repairs or have questions about the process, contact DT Collision for expert fender bender repair services. We’re here to help you get back on the road safely and confidently, ensuring your vehicle is restored to its pre-accident condition and meets all safety standards.

Frequently Asked Questions

1. How long after a fender bender can you file a claim?

Most insurance companies want you to report an accident as soon as possible, ideally within 24 hours. However, the exact deadline can vary depending on your policy and state laws. Some states allow up to two years for property damage claims and longer for injury claims. It’s always best to check your policy or contact your insurance provider for specific timelines.

2. Will my insurance rates go up after a fender bender?

They might. On average, rates can increase by 3-10% for about three years after a fender bender, but this varies based on your insurance company and the specifics of the accident. Factors like your driving history, the severity of the accident, and who was at fault can all influence whether and how much your rates might increase.

3. What if the other driver doesn’t have insurance?

If you have uninsured motorist coverage, that can help. Otherwise, you might need to pay for repairs yourself or take the other driver to small claims court. Some states have uninsured motorist funds that can assist in these situations. It’s important to document everything thoroughly if you find yourself in this situation.

4. Can I drive my car after a fender bender?

If your car seems to be working normally and there’s no visible damage that could make driving unsafe (like a dragging bumper), you can probably drive it. However, it’s always best to have it checked by a professional as soon as possible. Even if the car seems fine, there could be hidden damage that affects its safety or performance.

5. How long does a fender bender repair typically take?

The time can vary a lot depending on the damage. Simple bumper repairs might take a day or two, while more complex repairs could take a week or more. Factors that can affect repair time include the availability of parts, the extent of the damage, and whether any specialized work (like ADAS recalibration) is needed. At DT Collision, we strive to get you back on the road as quickly as possible without compromising on quality.