Do I need to call the police to come to the site of a fender bender? Do I admit liability in an accident if I fill in a Joint Report? Here are the answers to those questions.
Is it better to call the police?
Unless someone’s injured, there’s no need to call the police for a fender bender. Simply complete the Joint Report, the document that’s used to enter the information about the two drivers involved in the accident and to report the accident to one’s insurer.
The Joint Report doesn’t constitute an admission of liability.
Even if the police come to the scene to fill in an accident report, they never establish the liability of the parties involved in the accident. It’s always your insurer that does that when the claim is settled.
Be prepared! Always keep a copy of the Joint Report in your glove compartment.
If I fill out a Joint Report, am I admitting liability?
Absolutely not. The Joint Report is simply a document that serves to report an accident. It doesn’t constitute an admission of liability. It only serves to identify the parties involved in the accident and to speed up the claims settlement process with your insurer.
Establishing the liability of each driver is not an arbitrary process and is covered by the accident scenarios described in the Direct Compensation Agreement.