Should I report an accident to my insurance company with no injuries and minor damage if the other driver was at fault?

I was parked in a gas station when a truck backed up and hit me. It caused no injuries and only minor damage to my vehicle, and the other driver was insured. I didn't file a police report and we exchanged insurance information. Should I report this to my insurance company?

Answer
“First things first: if you were in a gas station when this happened, the police won’t file a report as the accident wasn’t on public property.
Second, you should probably report this to your insurance company for a number of reasons. This is because some injuries only start to show symptoms days after the accident.
In addition, if you’re not a licensed mechanic, the damage might be far more extensive than you realize. Even if you only see a ding or dent, the accident may have damaged the internal components of your vehicle.
If you’re worried about your rates going up as a result of contacting your company, don’t be. Usually, a no-fault accident won’t raise your car insurance premium.
Moreover, even if the other driver seems polite and trusting, sentiment can change. Always err on the side of caution to cover yourself.”
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Eric Schad
Answered on Apr 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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