Even low-speed, non-injury fender benders can have unexpected consequences — injuries that appear days later, insurance disputes, and fault determinations that affect your record. Here's what to do.
Steps After a Fender Bender
- Move vehicles to safety if possible
- Call police if damage exceeds $1,000 or there's any injury (Texas Transportation Code §550.026 requires reporting)
- Exchange insurance and contact information
- Document damage with photos
- Report to your insurance company promptly
- Watch for delayed injury symptoms in the following days
Delayed Injury After a Low-Speed Collision
Whiplash, cervical strain, and soft tissue injuries often present 24-72 hours after the collision, not immediately. Saying 'I'm fine' at the scene can be used against you later. If symptoms develop after your fender bender, call CDF Law at (832) 945-1900.