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We regularly hear these questions:
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- Do I HAVE to call the cops if the accident was minor?
- Should I get checked out even if I feel fine?
- My insurance will go up, do I really need to report it?
- It’s just a hassle and I'm in a hurry, do I really have to call the police?
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MISTAKE #1
With car wrecks that don’t involve obvious injuries, major vehicle damage, or other property damage; it often seems like you might not need the assistance of law enforcement.
MISTAKE #2
We meet with people regularly that think it is enough to exchange insurance information and roll on. Especially if there is no obvious vehicle damage and everyone feels fine.
BUT WHY?
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Physical injuries are not always immediately obvious or felt until hours or even days later. Internal damage, back injuries and head injuries can sometime not become obvious until hours, days or moths later.
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Vehicle damage may not be noticeable until you are driving down the road later.
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There is evidence relating to fault and the scene that is now completely lost.
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No official accident report can be acquired if law enforcement doesn’t respond to the accident.
There are commonly situations where folks leave the scene of an accident without contacting police or filing a police report AND their insurance company is unable or unwilling to help them with their vehicle damage or later discovered injuries.
Read on to learn more about what you should do when you are involved in a fender bender in Kentucky.
I've Had a Fender Bender, Now What Do I Do?
Do I HAVE to call the cops?
If you mean are you legally required to contact law enforcement after a minor car accident? The answer in Kentucky is no.
Under Kentucky law, you are not legally required to call the cops for a fender bender in Kentucky. Kentucky law requires that law enforcement MUST be contacted IF:
- a vehicle accident results in fatal or nonfatal injuries, OR
- if the damage caused to the vehicle is so severe that it cannot be driven.
Even if the minor accident that you are involved in does not meet either criteria above, we still recommend calling the police, and having a report made to protect yourself and your legal rights.
NOTE: If there is $500 or more worth of damage to a vehicle caused by an car accident, you have to file a report of the accident with the Department of Kentucky State Police within 10 days of the accident occurring.
Insurance Requirements for Fender Benders
Kentucky is considered a “no-fault” state for vehicle accidents. If you’ve selected “no-fault” coverage on your insurance, you’ll almost always file a claim with your personal injury protection (PIP) insurance provider after a minor car accident.
If you have PIP coverage, having a police report can be helpful to ensure the claims process goes as smoothly as possible.
If you’ve chosen to opt out of Kentucky’s “no-fault” rules, having a police report can be extremely important. In these circumstances, your best course of action might be to pursue a claim against the driver who caused the wreck. A police report will likely be a key component in this scenario.
I Was Involved in a Minor Car Accident – What Should I Do?
When you are involved in a fender bender, no matter how minor, you should make sure that you are not paying for the other driver’s mistake. An experienced personal injury attorney can help you recover damages and advise you on your next best steps.
Hurst & Hurst offers a free consultation, so you can find out whether your case requires the help of an attorney at that time.
Contact Our Car Accident Law Firm in Danville To Get More Information
If you’ve been injured in a car wreck or other accident, please call Hurst & Hurst today for a free case evaluation with a personal injury lawyer or contact us online.
