A minor accident on Atlanta’s busy roads — maybe a bump at a red light or a tight scrape in a parking lot — can leave you standing there wondering, “Should I really call my insurance?”

If you’re like most drivers, you might hesitate. But Georgia has clear rules, even when the damage seems small. At Morain & Buckelew, LLC, we’ve helped drivers all over Georgia who thought a simple accident would stay simple — until it didn’t.

Georgia’s Reporting Rules

Under Georgia law, you must report an accident if the property damage is over $500 or if anyone is injured, even slightly. That $500 mark often surprises drivers since minor-looking damage can easily exceed it once you visit a repair shop.

What’s more, a police report isn’t just paperwork — it can become a vital piece of evidence later. It’s often the difference between a smooth insurance process and a frustrating one.

Reporting or Not? What to Keep in Mind

We get it — no one likes the thought of higher insurance rates. Reporting an accident can take time, and yes, you’ll probably have to cover your deductible. But skipping the report could cost you more down the road.

We’ve seen too many drivers face denied claims or end up in disputes simply because they didn’t take the right steps early on. From our experience helping Georgia drivers, it’s usually better to handle it properly from the start. When questions come up later, having the right documentation makes all the difference — for both your insurance and if things ever head to court.

When Should You Absolutely Report?

There are moments when there’s no question — you need to call your insurance:

• The property damage is likely over $500
• Someone is hurt, even if they seem okay at first
• There’s any disagreement about who caused the crash
• The other driver is uninsured or underinsured

Protect Yourself and Your Rights

Minor accidents can turn into bigger problems when handled casually. Taking the right steps early can make all the difference.

If you’ve been in a wreck — small or large — call Morain & Buckelew, LLC at (404) 448-3146 or visit morbuck.com/contact-us. We’re here to help Georgia drivers protect themselves without all the guesswork.