So let's say you're at a stop sign, minding your own business, and someone rear-ends you. Nothing major, just a dent and maybe some scratched paint. Um...how would you go about reporting this to your insurance in Arkansas?
Had something similar happen to me last year in Little Rock—just a minor bump, but I still called my insurance right away. Even if it seems small, you never know if there's hidden damage underneath. Took some quick photos at the scene too, just to be safe. Arkansas is an at-fault state, so having clear evidence helps your insurance company handle things smoothly and keeps you covered if the other driver tries to dispute anything later on. Better safe than sorry...
"Even if it seems small, you never know if there's hidden damage underneath."
That's generally good advice, but I'd add a small caveat: depending on your deductible and the extent of the damage, sometimes involving insurance immediately isn't always the best financial move. I've seen cases where minor cosmetic repairs ended up costing less than the deductible itself, and reporting it still raised premiums slightly. Definitely document everything thoroughly, but it's worth assessing the situation carefully before automatically filing a claim...
True, but I'd caution against skipping insurance altogether. Had a buddy who thought his bumper was just scratched... turned out the frame underneath got tweaked. Ended up costing him way more down the line. Better safe than sorry, imo.
