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 provided by
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Eric Schad
Answered on Apr 13, 2021
“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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