Do You Need to Call the Police After a Minor Car Accident?

After dozens of uneventful commutes, a sudden fender bender can catch you off guard. You hear the crunch of metal, your heart pounds, and you immediately wonder what to do next. If no one seems hurt and the damage looks minimal, you might be tempted to just exchange information and drive away. But is that the right move?

At Saks, Robinson & Rittenberg, Ltd., our Chicago auto accident attorneys have seen how even minor collisions can lead to major headaches. Making the right choices in the minutes after an accident ultimately helps protect your rights. While the proper response to an accident depends on the specifics of the situation, calling the police is almost always the best course of action.

So, should you call the police even after a minor accident? Here’s the short answer:

• Yes, if anyone is injured or killed. Illinois law requires it.
• Yes, if property damage exceeds $1,500. This is also legally required.
• Yes, to create an official record. A police report is vital evidence for insurance claims.
• Yes, to protect yourself. It can help prevent the other driver from changing their story later.

Let’s look closer at why calling the police is an essential part of the aftermath of any car accident.

What Is a “Minor” Car Accident?

A minor car accident is generally one where no one appears to be seriously injured and the damage to the vehicles is minimal, perhaps involving small dents or scratches. A low-speed collision in a parking lot is a common example.

However, looks can be deceiving. Some injuries, like whiplash or concussions, don’t show symptoms for hours or even days, and what seems like a small dent could be hiding serious structural damage underneath the bumper. Assuming an accident is “minor” without a proper assessment can sometimes be a costly mistake.

What Should You Do After a Minor Accident?

Even minor accidents require a calm approach and the careful following of a few essential steps.

1. Move to Safety: If possible, move your vehicles out of traffic to a safe location.
2. Check for Injuries: Assess yourself and your passengers for any pain or discomfort.
3. Call the Police: Report the accident so an officer can document the scene and create an official report. In Illinois, you are legally required to report a crash if there are any injuries or if property damage is over $1,500 (or $500 if a vehicle is uninsured).
4. Exchange Information: Get the other driver’s name, address, phone number, license plate number, and insurance information.
5. Document Everything: Take photos of both vehicles, the accident scene, and any visible injuries. If there are witnesses, get their contact information.

Why a Police Report Is Important

Calling the police after a minor accident might seem like an overreaction, but a police report is one of the most valuable pieces of evidence you can have. An official report creates an unbiased account of the incident. The responding officer will document key details, such as the position of the vehicles, statements from both drivers, and any citations issued.

This information is crucial when dealing with insurance companies. Without a police report, the other driver could later deny fault or change their story, turning a simple claim into a complicated dispute. This document serves as a factual record that can help ensure you receive fair compensation should any damages or injuries arise later.

Get the Legal Guidance You Deserve

Even a minor car accident can be overwhelming, but you don’t have to handle the aftermath alone. A police report is a good first step, and having an experienced attorney on your side can be essential for recovering any needed compensation.

If you’ve been in a car accident in the Chicago area, contact our team at Saks, Robinson & Rittenberg, Ltd. today. We offer a free case evaluation to help you understand your rights and determine the best way forward.