
You should call the police for a fender bender in New York City, even if it doesn’t look like the cars have any damage. The police will write a report about the accident, which will help you prove that the report happened to the insurers later if you need to.
Many drivers are tempted to handle fender benders privately, especially when the crash damage appears minimal. However, this approach can lead to complications down the road. Here’s more about what to do in minor accidents from our New York car accident lawyers.
About Fender Benders
Not all crashes involve major injuries and totaled cars. Some are just mild taps that may not show any damage at all. These are called fender benders. Injuries are rare in these crashes, so people may think they do not need to call the police, yet a minor accident could have hidden consequences.
Your minor dent may have been damaged more than you can see and cost a lot of money to fix. You could also have pain appear after the accident that needs medical treatment. Without calling the police, you cannot show an insurer that your property damage and medical bills are linked to an accident.
Calling the police after a fender bender in NYC is more than a formality; it’s a crucial step in obtaining compensation after a car accident.
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877-751-9800What Will the Police Do in a Fender Bender Situation?
When law enforcement arrives at the scene, they create an official accident report. This report serves as an unbiased account of the incident. The police report includes critical details such as the date, time, and location of the accident, as well as the contact and insurance information of all parties involved.
This information becomes invaluable if you need to file an insurance claim or if any legal issues arise from the incident. Moreover, police officers are trained to assess accidents for potential hazards or injuries that might not be immediately apparent.
They can also help manage traffic and ensure the safety of everyone at the scene, which is particularly important on NYC’s busy streets. If your car is disabled after a crash, call the police so you can get help moving your vehicle.
Calling the Police May Be Required
New York State law requires drivers to report any accident resulting in injury or property damage exceeding $1,000. However, accurately estimating damage costs at the scene is often difficult, especially for modern vehicles with complex electronics.
Failing to report an accident can lead to serious consequences, including fines, license suspension, and even criminal charges in some cases. By calling the police, you ensure you comply with legal requirements.
Also, your insurance company will likely require a police report when you file a claim, even for a minor accident. Without this official documentation, you might face challenges in processing your claim or receiving fair compensation for damages.
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877-751-9800How Insurance Companies Use Police Reports
Insurance claim adjusters rely heavily on police reports to determine fault and assess claims. A detailed, official report can help prevent disputes and speed up the claims process. It serves as an official timestamp of the event and its immediate circumstances.
Additionally, having a police report can protect you from potential fraud. Unfortunately, some individuals might try to claim more extensive damages or injuries after the fact. An official report serves as a safeguard against such fraudulent claims.
What to Do While Waiting for the Police
After you call the police, you should take several steps while waiting for their arrival. First, move to a safe area to ensure your and others’ safety. Then, turn on your hazard lights to alert other drivers.
Document the scene by taking photos of the vehicles involved, any visible damage, and the surrounding area. This can provide additional evidence to support your case if needed. Also, exchange contact and insurance information with the other driver, but avoid discussing fault or making any agreements.
If there are any witnesses, politely ask for their contact information. Their accounts could be valuable if there are any disputes about the incident later.
Do not discuss the accident with them or get their opinion of whose fault it was. That could affect their testimony and make them less reliable for your case.
Interacting With Law Enforcement
When the police arrive, provide them with a clear, concise account of what happened. Stick to the facts and avoid speculating or admitting fault. Answer the officer’s questions honestly, but don’t volunteer information that isn’t specifically requested.
Request a copy of the police report or information on how to obtain it later. This report will be crucial for your records and any subsequent insurance or legal proceedings. If the officer doesn’t file a police report at the scene, you may need to file one yourself at the nearest precinct.
The officer’s job is to document the incident and keep the public safe, not to determine fault. However, if they cite someone for breaking traffic laws, that citation could become part of the proof you weren’t at fault.
Better Safe Than Sorry
Calling the police after fender benders in New York City ensures that you have an official record of the incident, comply with legal requirements, and protect your interests in the long run.
What seems like a simple fender bender can sometimes lead to unexpected complications. By taking the proper steps from the outset, you set yourself up for a smoother resolution, whatever the outcome may be.
If you’ve been involved in a fender bender or any other traffic incident in New York City, don’t hesitate to reach out for professional legal guidance. Contact Morelli Law Firm today to learn more about us. We can discuss your situation and how we can help you after your accident.
Call or text 877-751-9800 or complete a Free Case Evaluation form