If I rear-ended a person going approximately 10-15 mph yesterday, should I tell the police and should I inform my insurance company?

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If I rear-ended a person going approximately 10-15 mph yesterday, should I tell the police and should I inform my insurance company?

No one was injured and there was only minor body damage to the cars. We exchanged our auto insurance information and both decided not to call the police. The person that I had hit said that he was going to make a claim. Does my insurance company cover the other person’s damages? What should I do if I don’t want or need anything repaired on my car?

Asked on September 25, 2014 under Accident Law, Michigan

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Although the laws vary from state to state regarding whether or not a police report is required, since this was a minor, non-injury accident, contacting the police is probably unnecessary.  The police usually won't respond to a minor fender-bender non-injury accident.

Your insurance company will cover the damages (cost of repairs) to the car you hit.  Since the other driver is going to file a claim with your insurance company, it would be advisable to inform your insurance company of the accident.

Since you were at fault in the accident, your insurance company won't pay for repairs to your car.  You said that you don't want the damage to your car repaired; so, you don't need to do anything regarding that.


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