Accidents happen when we least expect them. Even a minor fender bender can leave you rattled and unsure of what to do next. One of the biggest questions people ask is whether they should call the police after a seemingly small car accident. Let’s break it down.
Why It Matters to Call the Police Even for a Minor Accident
At first glance, calling the police for a minor accident may feel like overkill. However, taking that step can protect you legally, financially, and even medically.
Police officers create official reports that document the facts. These reports can make a huge difference later if there’s a dispute about who was at fault. Also, having a report can speed up your insurance claim process. In many cases, insurance companies will ask for it.
Additionally, some injuries and damages aren’t obvious right away. What seems like a small scrape could turn into a more serious issue down the line.
When Are You Legally Required to Call the Police in New York?
New York law requires drivers to report any accident that causes injury, death, or over $1,000 in property damage. If someone is hurt, even slightly, you must call the police and stay at the scene until they arrive.
Failing to report such an accident can result in fines, penalties, or even criminal charges. Even if the damage seems minor, the cost of vehicle repairs can easily go above the $1,000 threshold. So when in doubt, make the call.
Police Reports Can Protect You from False Claims
Not everyone plays fair after an accident. Some drivers may try to twist the story later. A police report can serve as neutral, third-party documentation. It can also help if the other driver changes their story, claims injuries that weren’t mentioned on the scene, or blames you when they were at fault.
The officer’s report often includes diagrams, witness statements, and contact information. These details strengthen your position if the case goes to court.
What to Do If the Police Won’t Come to the Scene
In some minor accidents, especially where there are no injuries, police may not respond in person. If that happens, don’t panic. You can go to the nearest precinct or file a report online through the DMV or local police department.
Still, take photos of the damage, gather witness info, and exchange contact and insurance details with the other driver. Document everything. This way, you’re covered, even without an officer present.
How to Handle the Situation While Waiting for Police
While waiting for the police, keep calm. Move your vehicle to a safe spot if possible. Turn on hazard lights and stay inside your car unless it’s unsafe.
Exchange info with the other driver, including names, insurance, license plates, and phone numbers. Take pictures of the scene, vehicle damage, road signs, and any skid marks. These details may seem small now, but they could be crucial later.
If there are witnesses, politely ask for their names and contact information. Their testimony could support your version of events.
Why Insurance Companies Prefer You Call the Police
Insurance companies appreciate clear, official documentation. A police report helps validate your claim and speeds up the investigation. Without one, it becomes your word against the other driver’s. That can lead to delays or denials in your claim.
Moreover, some policies even require you to report accidents involving injuries or significant damage. Always review your policy or contact your insurer for guidance.
What If the Other Driver Doesn’t Want to Call the Police?
If the other driver discourages calling the police, that’s a red flag. They might have no insurance, a suspended license, or outstanding warrants. Stand your ground.
Tell them it’s for documentation and safety, not about blame. If they become aggressive or try to flee, do not follow them. Instead, call the police immediately and provide as much information as possible.
Common Mistakes to Avoid After a Minor Accident
After a minor accident, it’s easy to downplay the situation. But avoid these common missteps:
- Admitting fault on the scene
- Not calling the police
- Forgetting to take pictures
- Failing to gather witness info
- Ignoring potential injuries
Even a small bump can result in soft tissue injuries or whiplash. Some symptoms may not show up for hours or days.
The Role of a Lawyer After a Minor Accident
If you’re unsure of your rights or facing pushback from insurance companies, consult a lawyer. A legal professional can help you navigate the situation, especially if injuries appear later or fault is unclear.
At Mesadieu Law Firm, we know that every accident matters. Whether it seems small or not, your rights deserve protection.
Minor Accidents Can Lead to Major Consequences
Don’t be fooled by appearances. A minor car accident can lead to complex legal and medical issues. By calling the police, you create a paper trail that supports your version of the story and ensures you follow the law.
Taking the right steps early helps you avoid stress and headaches later. Don’t leave things to chance. Call the police, document the scene, and contact a trusted legal team if needed.
Conclusion: Make the Right Call
It might seem like a hassle, but calling the police after a minor car accident can save you time, money, and frustration. You have nothing to lose and everything to gain by protecting yourself.
Still unsure about your legal options? We’re here to help.
Call 844-3-RIGHT-BY-YOU (844) 374-4482. Mesadieu Law. Right By You.