Forget to Call 911
Some of us may believe that if no one was hurt in a wreck, it's not necessary to call 911 and report the accident. This is actually a very bad idea, and here's why.
Let's say you and the other driver make a sort of a "gentleman's agreement" to let the insurance company handle things, but not to report the wreck to police. But even if the other driver seems on the level, how do you know their insurance is up to date? Or even real? How do you know the driver that hit you doesn't have active arrest warrants? Also, someone may be in need of medical attention, so it never hurts to call and report what happened.
As many as one in seven drivers has no car insurance. Many are skirting the system by carrying a fake or expired insurance card. If you get into a wreck with someone who has no insurance, you're the one who's up the creek without a paddle [source: USA Today].
If you don't get a police report documenting your wreck, what proof do you have that it even happened? In some areas, law enforcement doesn't always respond to collisions unless there are injuries, but you always have the opportunity to get an accident report. Sometimes, this helps speed up the claims process as well. Do yourself a favor and make sure you do this.