You were hit, but luckily no one seems to be really hurt. The cars are scratched, but not crumpled. The question is whether you should report a fender-bender car accident to the car insurance company?
It is in your best interests whenever you are in an accident to document the facts. The lack of immediate injuries can be deceiving. Adrenaline can mask symptoms of an injury. It can take several days for some soft tissue damage to show up.
If you do not report the accident, an insurance company may not pay for the damage if they can’t fully investigate the accident, and a delay in reporting injuries could harm your ability to recover a fair settlement for your injuries.
In Vermont, you are required to file an automobile accident report with the Vermont Department of Motor Vehicles when any person is injured in an accident.
Better safe than sorry!