Do’s and Don’ts After a Fender Bender: A Driver’s Guide

April 9, 2025

Minor accidents happen — in parking lots, at stop signs, or in heavy traffic. Knowing what to do in a fender bender can make the situation easier to manage and help you avoid common mistakes. Many drivers feel unsure in the moment, especially when damage looks small. Taking the right steps early can prevent bigger issues later, whether with your insurance or the condition of your vehicle.

What Is a Fender Bender?

A fender bender is a low-speed collision that typically results in minor cosmetic damage, like scratched paint or a dented bumper. These accidents are common and often happen in tight spaces or during stop-and-go driving. Even though the damage might seem small, handling it properly matters — especially when it comes to insurance and safety.

What to Do in a Fender Bender

Knowing what to do in a fender bender helps protect both your safety and your claim. Follow these steps if you’re involved in a minor collision:

1. Check for injuries

Before anything else, make sure everyone is safe. If there are any injuries, call 911 right away.

2. Move to a safe area

If the vehicles are drivable and it's safe to do so, move them out of traffic to prevent a secondary accident.

3. Call the police

You might be wondering: Should you call the police for a fender bender? The answer is yes — even for minor accidents. A police report can help clarify who was at fault and is often required for insurance claims.

4. Exchange information

Get the other driver’s name, contact info, insurance details, license plate, and vehicle make/model. Be sure to double-check the accuracy of the information before leaving the scene.

5. Document the scene

Take clear photos of all damage, the surrounding area, and both vehicles. This documentation can support your claim later and protect you from disputes.

6. Notify your insurance company

Let your provider know about the incident, even if you don’t plan to file a claim right away. Reporting it keeps your policy in good standing and may help with future claims.

What Not to Do After a Fender Bender

Avoiding these common mistakes can save time and prevent added stress later:

Don’t drive away: Leaving the scene can be considered a hit-and-run, even if the damage is minor.

Don’t skip a police report: Without official documentation, your insurance claim might be delayed or denied.

Don’t admit fault: Stick to the facts. Admitting blame at the scene can complicate things legally and with your insurer.

Don’t ignore hidden damage: What looks like a small dent could hide damage behind the panels. It's best to have your vehicle inspected by a trusted auto body shop.

After the Scene: Get a Professional Repair

Even small collisions can affect your vehicle’s safety, alignment, and value. At Ray’s Automotive in Waterbury, we restore vehicles to pre-accident condition using OE parts and manufacturer-approved repair methods. Our team can assess the damage, provide a clear estimate, and work with your insurance provider. If you’ve been in a fender bender, contact us to schedule an appointment and get your vehicle back on the road the right way.