My girlfriend was in an accident last Monday, and she just received the police report today. Essentially, she rear-ended a car that was stopped in the lane due to a whiteout since they had been involved in a previous rear-end collision. The police didn’t issue any tickets since it was clearly weather-related.
Her car only needs minor repairs—less than $100 for a new grille insert and license plate bracket. However, the other person’s vehicle is likely going to be considered a total loss due to the damage from both the front and back. Should she still inform her insurance company about the accident, even if she’s not planning to file a claim?
Yes, your girlfriend should report the accident to her insurance company, even if she doesn’t plan to make a claim. Here are a few reasons why:
Policy Requirement: Many insurance policies require that any accidents be reported, regardless of fault or whether a claim is being filed. Failing to report it could lead to issues with her coverage.
Documentation: Reporting the accident creates an official record. This can be helpful if there are future claims or disputes about the accident.
Potential Liability: Given that the other party’s vehicle was likely written off, their insurance might contact your girlfriend or her insurance in the future. Reporting it now can help her insurer handle any claims or inquiries more effectively.
Peace of Mind: Reporting the incident can provide peace of mind, knowing that she is being transparent and following proper procedures.
Overall, it’s better to be safe and let the insurance company know about the accident.