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What Does The Insurance Company Consider A Minor Accident?

It happens every day. A relatively "minor" motor vehicle accident. What is minor to some, may not be minor to others.

Certainly, insurance companies will endeavor to characterize most car accidents as “minor”.

When I say minor, I talking about an accident where the involved vehicles are driveable, and no one is going to the hospital. I see these types of cases on a daily basis. Contrary to what a lot of claims adjusters contend, that scenario does not mean no one was injured. Indeed, in accidents, of his type, the nature and extent of injuries to the connective tissue in the neck or back may not manifest for 24-48 hours. In these circumstances, the question arises:

“Should I call the police?” The answer almost is yes.

The documentation provided by the officers report services many purposes. You get the pertinent information about the other driver such as:

  • name
  • tag
  • address and
  • insurance information 

There is independent corroboration the accident occurred. The officer may also serve as a witness at trial, not so much for how the accident occurred, as the typically arrive afterwards, but perhaps actions or statements of the defendant. If the at-fault driver is has no insurance, license, or is impaired, the appropriate legal action can be taken. 

I've secured financial recoveries for hundred of people who have been told their accidents were "minor". I invite all future clients to participate in a case examination and strategy discussion- at no cost. Get in touch with me today to arrange a time to meet. 410 591 2835, or simply complete the form at the bottom of the page.

(!) COVID-19 Update from Eric T. Kirk, Attorney
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