In my apartment garage, another car was at fault and hit the center of my car with their left front side. They were going 20 mph turning a corner and I was stopped but initially going straight. The left bumper of their car was dented and looks like it will require repair whereas my car was relatively unscathed.
I have accident forgiveness.
Other party is getting estimates for repair and if too much for them may submit claims to my versus their insurance.
I don't think I have medical injuries though cannot exclude down the line whiplash etc. My bumper while unscathed may need to be repaired if I re-sell my car later on but looks to be a mild fix.
I've read about 1) needing to report all accidents 2) I have accident forgiveness but I don't want the hassle of paperwork or having this be on my record or any increased premiums
so do I report this
Posted by rem0401
1 Comment
No. Have them pay directly to a auto body shop. Any claims you make are on your record for 5 yrs. Even if they don’t raise your rates for the accident. They will raise it because your risk is higher