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Subject:  Is this auto accident worth reporting ? Date:  1/23/2013  10:00 PM
Author:  math999man Number:  17710 of 18173

Hi All,

I was at a stop light, not moving when a 1999 small Honda hit me from behind. They were able to slow their car down so that their front bumper slide off the bottom corner of by rear bumper. From what I see on my 2003 Camry, the dirt was rubbed off the bottom of my bumper. No other damage I can see. Other drivers car looked OK, and I mentioned as such. The other driver commented that "we shall see". (what the heck, it was him who hit me, anyway, I digress). I was not hurt and he was not hurt. It was only a small bump. I have not had any accidents for 10+ years, never my fault, etc..

In New Hampshire (where this happened), the law only requires reporting an accident if over $1000 damage. No damage to report on my car, so no legal requirement to report.

We exchanged info - licenses, insurance cards, phone numbers, etc..

Do I really need to report this to my insurance company ? It was the other car at fault, so their INS CO will end up paying damage, if the other driver reports it.

I do not want to report some bump like this and maybe in 2 weeks have a real serious accident and then get my rates jacked up ! If I have bad luck and get into another accident so close to this one, the Ins Co can use the excuse that I was in 2 "accidents" in a few week time period. The real fact is that this recent event was not an accident from my perspective (not hurt, no car damage, a bump).

However, the other driver could have a different perspective. He maybe wants to report this to get any damage (if any) fixed on his car. I could call the other driver and tell him I am not interested in reporting this to my INS CO and if he agrees to do the same in the phone, but files are report anyway - so I look bad.

Any advice ?
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