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I Got Into a Fender Bender/ Small Accident and Decided to Exchange Insurance Information Instead of Calling the Police. Later, I Am Now in Immense Pain. Is It Too Late to Make a Claim?

There are a few present issues here.  The first is that, no matter how minor the accident, it is generally recommended that you call the police.  This way everything gets documented and the police will do an exchange of insurance information, among other things.  When people exchange information, sometimes the at fault person, realizing their insurance rates may go up, will give you the wrong information and then you will have to fix your own car, as you don’t have their proper insurance information or contact information.

Further, in context of an accident case, while you may not think you are injured at the time, it will look poorly upon your injury case if the police are not called.  While it will take time for the police to arrive and to write the reports, the chances of getting your car fixed by the other person and if you do end up with some sort of injury, it will make collecting monies for your injuries easier.

Of course, every case is unique and has to be judged based on the specific facts of the case. The advice in this blog is intended to be general in nature and should not to be construed as specific advice for a case, as the most slight difference in the facts could ultimately change the result. Also, this blog is based on Florida law and the laws of any other states or country could vary significantly from Florida.

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