"Even if there's no visible damage now, some issues (especially with bumpers) can pop up later."
Yeah, learned this lesson the hard way a few years back. Had a similar situation—barely tapped someone's rear bumper in a parking lot. We both shrugged it off, thinking it was nothing, but a month later he contacted me about hidden sensor damage that ended up costing hundreds. Now I document everything, even minor stuff. Premiums might sting a bit, but surprise repair bills hurt way more...
Totally agree with documenting everything, especially since I'm new to insurance and still figuring things out. Quick question though—does reporting something minor like this always bump up your premiums? I've heard mixed things from friends. Also, how long do these hidden issues usually take to show up? Seems like sensors and electronics can be pretty sensitive...makes me a bit nervous about even tiny bumps now, haha.
Yeah, documenting is always smart, especially with newer cars. Honestly though, reporting minor stuff can sometimes bump your premiums, but it really depends on your insurer and your history. I had a client once who tapped someone's bumper—no visible damage at all—but the other driver insisted on checking sensors and electronics. Turned out fine, but since they reported it, their premium did go up slightly next renewal. Not always fair, but that's insurance for ya.
As for hidden issues popping up later...usually if something's gonna show up, it'll be within a few days or weeks at most. Sensors are sensitive, sure, but they're also pretty quick to let you know if something's off. Had another case where someone lightly bumped a parked car and thought nothing of it—two days later the backup sensor started acting weird. So yeah, it's possible...but not super common from just a tiny tap.
Bottom line: trust your gut and weigh the risk. If you're worried about surprises down the road, better safe than sorry.
Honestly, I'd skip reporting if there's zero visible damage. Had a similar thing happen to me—barely tapped a newer sedan, owner freaked out about sensors. Turned out fine, but my premium still jumped. Insurance companies love excuses to charge more...
"Insurance companies love excuses to charge more..."
Haha, true enough—insurance companies aren't exactly charities. But honestly, I'd still lean toward reporting it. Modern cars have tons of hidden tech, and what looks like "no damage" might turn into sensor issues down the road. Happened to my buddy—thought he was clear, then weeks later the other driver claimed their parking sensors were acting up. Better safe than sorry, IMO... premiums suck, but surprise bills suck even more.
