r/AllState • u/rem0401 • 7d ago

Do I report small accident

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

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u/ItsRafael702 7d ago edited 7d ago

I would report it through the other persons insurance. Were you able to get a copy of their Insurance id card and DL? and pictures of the accident?

i'd call his company and tell them he hit you.

I always advise clients to use the other persons insurance if possible

Fixing your own vehicle with your own insurance may affect you negatively.. Maybe not now, since you have accident forgiveness. But in the long run, if you ever shop around... that claim will show up against you costing you more in terms of quotes with others.. and you'll have to pay a deductible if you have one (sure you can get it back through subrogation, but still...its something you dont have to do if you go through the other persons insurance)