Learn what to do after a minor car accident. Understand your legal obligations, insurance tips, and how to protect yourself.

Even small car accidents can cause big headaches. You’re shaken, your bumper’s dented, and the other driver is already talking about insurance. What now?

Whether it’s a parking lot scrape or a slow-speed collision, knowing your legal responsibilities and rights can help you avoid costly mistakes — and unnecessary stress.

Here’s what to do after a fender bender, from a legal perspective.

1. Stay Calm and Stay Safe

First things first: move to a safe location if you can. Turn on your hazard lights and make sure everyone is okay. Even in low-speed crashes, injuries like whiplash can occur — so don’t brush off any discomfort.

If there’s any doubt about injuries, call 911. A police report can also be helpful for insurance or legal issues later.

2. Exchange Information — the Right Way

You’ll need to get the other driver’s:

• Full name and contact info
  
• Driver’s license number
  
• License plate number
  
• Insurance company and policy number
  

If there are witnesses nearby, ask for their info too. Don’t rely on memory — take pictures of everything: license plates, car damage, the street, signs, and even the other person’s insurance card.

3. Don’t Apologize or Admit Fault

It’s natural to want to say “I’m sorry,” but in legal terms, that could be interpreted as an admission of guilt. Just stick to the facts. Let the insurance companies and — if needed — lawyers determine who was at fault.

4. File a Police Report (Even for Small Accidents)

Even if the accident seems minor, some states require you to file a report. Check your state laws or ask Vikk AI directly. A police report can also help protect you if the other driver changes their story later.

5. Talk to Your Insurance — But Carefully

Report the accident to your insurer. But be cautious if the other driver’s insurer contacts you. You’re not required to give a recorded statement right away — and it may be smart to speak to a legal professional first.

If you’re not sure what to say or what your rights are, Vikk AI can help you figure it out before you make a costly mistake.

6. Not Sure If You Need a Lawyer? Ask Vikk

In some cases — like when the damage is disputed or someone is injured — having a lawyer on your side can help. Vikk AI can walk you through your legal options and even connect you with a local attorney if needed.

Final Word

Even small accidents can lead to big complications. By knowing your rights and acting quickly, you can protect yourself — legally and financially.If you’re unsure about your next step, just ask Vikk AI. We’re here to help you understand your legal situation, 24/7.