You should file an insurance claim for vehicle damage if the damage costs more than your deductible so that your insurance company can cover the difference. For minor injuries to you or the other party, contact your insurer. It’s not always possible to determine the severity of injuries at the scene, so looping in your insurance company is the best way to ensure a speedy solution for all parties.1
How you file a claim depends on the insurer, but the first step is to get in touch with your insurance agent or submit a claim online or through the mail.
Expenses your insurer might reimburse you for include, but are not limited to, repairs for damage to your vehicle and medical costs for injuries sustained during the accident. Filing a claim could affect your insurance premium and your car’s resale or trade-in value, so it’s understandable to be cautious when filing a claim for a minor incident.