The Fun of Fender Benders

Every time I'm in a Walmart parking lot I have several opportunities for a fender bender - or worse. There are so many people swerving wildly around the parking lot looking for who knows what and fewer people who are really doing their best and most aware driving. It's situations like this that make me nervous that I might need to call my auto insurance company or visit a New York Collision repair shop rather than doing the fun things I had planned.

Fortunately, things usually go fine. However, there are many close calls and I think it's important to have a plan in mind in case a car collision really happens. So, what to do? Do you solve the problem with the other party without the police? Should you call the insurance? Will it rack up your premiums? Will the other driver change their story tomorrow?

If your local police force will handle this type of minor accident, then it's best to consultant the police. It's been my experience that police in more rural areas like the rural parts of Westchester County will handle the situation. However, I have lived in urban areas where the police are too busy to deal with fender benders - in this case, it's important to document the situation and exchange contact information. Write the driver's license down and license plate and have a disposable camera on hand to document the damage to both cars.

If you plan to involve your insurance company - you'll need to involve the police most likely.Insurance companies usually require that any and all accidents, regardless of their magnitude, have to be reported and this means that a police officer has to come to the scene of a reported accident and document his or her observations about the accident and the drivers. Even though an insurance company will eventually cover the repair costs and medical claims, sometimes there are other legal issues which could arise from a minor thing such as a fender bender and we'll talk about them later in the article.

If the damage is minimal to both cars and this is a no fault situation, it's probably best to leave the insurance company out of it. For one thing, the deductible might be too high to cover the collision damage. Or, you might increase your premiums. If this is the case, talk to the other driver and agree upon the total cost of damage and what the other person will pay, or if it is your fault, what you will pay.

If the other driver involved in the car collision is combative, you should definitely call the police because this person may change their mind later on and request further damage claims.

In any case, figure out how you're going to handle this type of situation if it arises and keep whatever you need on hand, such as a pencil, paper and camera, if you need it.