You may not need to notify your insurance company if another driver is at fault for a fender bender, accepts responsibility, and gives you their contact information and information about their insurance company.
However, you will need to contact the other driver’s insurer in order to file a claim for damage to your vehicle. But if you were to blame or if you were hurt in the accident, you need to get in touch with your insurance company right away to tell your side of the story.
Keep in mind that you may face unexpected consequences if you fail to report an accident to your insurance company.
For instance, if another driver is to blame for a fender bender but promises to cover the costs of the damage to your vehicle out of their own pocket, they may not follow through.
Also, make sure you know what your auto insurance policy says about reporting requirements and, if applicable, the terms of your loan or lease agreement.
