What is a Fender Bender Accident? by Keetick L. Sanchez

Описание: What is a Fender Bender Accident? by Keetick L. Sanchez

If you were in a fender bender accident in Queens, you may look at the damage and expect a quick fix. Dents, scratches, and minor bumper damage often happen at low speeds in traffic jams, parking lots, and at stop signs. Even so, a minor collision can create hidden vehicle damage, delayed injuries, and insurance complications. Queens car accident lawyers help you take clear steps that protect your rights and support a fair claim.

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At the scene, check for injuries and call emergency services if anyone needs care. Stop and secure the scene, move vehicles out of traffic when it is safe, and turn on hazard lights. Call the police so an officer can prepare a police report, even when the impact seems small. Exchange vehicle registration, insurance details, and contact information with the other driver. Take photos of the accident scene, all vehicles involved, visible damage, weather conditions, and any signs of injury. Notify your insurance company as soon as you can and keep copies of everything you share.

Fender benders in New York often start with distracted driving, such as using a mobile phone, adjusting the radio, or eating while driving. Parking lot accidents also occur because of confined spaces and heavy vehicle turnover. Failure to yield at intersections and roundabouts can cause sudden bumps, and weather-related issues like fog, rain, or snow can reduce visibility and perception. These incidents may look minor, yet they can still lead to alignment issues, headlight and taillight damage, or bumper cracks that show up later.

Injuries can also surface after the initial shock. Whiplash, neck pain and limited motion, muscle stiffness and headaches, and numbness or tingling may develop later. Get a medical evaluation after any car accident, even when you feel fine. Records from medical visits and repair inspections often matter when insurers evaluate what happened.

New York’s no-fault insurance system requires drivers to file injury claims through their own personal injury protection (PIP) coverage, regardless of fault. PIP can cover medical bills and lost earnings up to the policy limits, while it does not cover non-monetary losses like pain and suffering. Insurance companies still review minor collision claims closely. Adjusters may review documentation, interview drivers, passengers, and witnesses, inspect vehicles, and analyze photos or surveillance footage. Strong documentation helps you respond to questions and move the claim forward.

Reporting rules can also affect your case. New York State law requires reporting when a crash involves personal injury or property damage exceeding $1,000. When required, you must submit the MV-104 form to the New York State Department of Motor Vehicles (DMV) within 10 days. Missing deadlines can lead to fines, license suspension, or other penalties.

K. L. Sanchez Law Office, P.C. helps drivers in Queens address police reports, DMV requirements, and insurer communications. For guidance after a fender bender, call (646) 701-7990 to schedule a consultation.

When losses exceed no-fault limits, you may pursue a personal injury lawsuit for medical care and lost wages, and you can address driving record and insurance rates.

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