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How Soon Do You Usually Let Your Insurance Know After a Fender Bender?

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bexplorer58
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Had a minor bump yesterday—nothing major, just a dented bumper and some scratched paint. But it got me thinking...how quickly do most folks actually call their insurance after something like this? I mean, do you dial them up right there on the spot, or wait till you're home and calmed down a bit? Or maybe even wait a day or two to see if it's worth reporting at all? Quick poll below, curious what everyone else does.

- Immediately, right at the scene
- Same day, but later on
- Within a couple days
- Only if damage seems serious

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