Posted in Auto Accidents on April 11, 2018
Most accidents are minor and don’t involve injuries, but even minor accidents can cause property damage. It’s quite common to wonder whether reporting an accident is necessary for a small fender-bender.
In Maryland, code 20-107 governs accidents and accident reporting. The law requires that people in an accident filing an accident report with the Motor Vehicle Administration for accidents that result in bodily injury or death. Both drivers have 15 days to file. Exceptions include:
However, reporting a minor accident is usually not required.
There are certain instances when you need the aid of law enforcement even though the accident is minor. Call the police if any of the following apply:
When in doubt, notify law enforcement. Accidents cause an adrenaline rush in the body that can mask symptoms of an injury. If an injury surfaces later and there isn’t a police report, it could be more difficult to prove the injury resulted from the accident.
No matter the size of the accident, take the following steps immediately:
As soon as possible after the accident, get medical attention. Even if you don’t feel you suffered an injury, it’s important to have a thorough medical exam. This is for your safety and to preserve your rights.
Sometimes people try to avoid involving their insurance company for minor accidents because:
Not reporting an accident to the insurance company is a bad idea. All insurance companies require reporting. Failure to report even minor accidents to the insurance company can have significant ramifications. Some insurance providers may cancel a driver’s policy for failing to report an accident promptly.
If the other driver later discovers an injury or notices vehicle damage that wasn’t immediately apparent at the scene, your insurance company may not cover the claim. Not reporting the accident could give them cause to deny coverage. This can be costly if the other driver pursues a claim or files a lawsuit.
Even if the accident is minor, it’s wise to speak with an attorney. An attorney will have valuable advice that could save you from making a costly mistake. Contact the attorneys at Murphy Falcon Murphy for a consultation today.