Minor car accidents often seem insignificant at first: Many drivers assume that if the vehicles were barely moving, there will be little to no damage or injuries. Yet the reality can be far different. Even accidents that happen at speeds under 10 miles per hour can result in injuries and long-term consequences that affect your physical health and financial stability.
Can Injuries Happen in Low-Speed Accidents?
The human body is not built to absorb sudden force, even if that force comes from a slow-moving vehicle. One of the most frequent outcomes is “whiplash,” a neck injury that happens when the head is jerked backward and then forward. This can result in pain, stiffness, and reduced mobility. In some cases, symptoms may not appear for hours or days after the incident. Other examples include soft-tissue damage, bruising, or back strain.
Why Do Injuries From Minor Accidents Sometimes Lead to Long-Term Issues?
Soft-tissue injuries and spinal problems may develop gradually. When not diagnosed early, these injuries can result in chronic pain or reduced mobility. Some individuals may face recurring medical appointments, physical therapy, or missed time at work.
Why Can Property Damage Appear Minor But Still Be Costly?
Modern vehicles are designed to absorb impact in specific ways. A light bump may not leave visible dents or scratches, but internal components, sensors, or the frame may still suffer damage. These parts can be expensive to inspect, repair, or replace. In some cases, a vehicle might seem safe to drive but have alignment problems or undetected structural issues that pose future risks.
Must I Always Report a Low-Speed Collision?
Reporting any car accident to law enforcement and your insurance provider is advisable, regardless of how minor it seems. Failure to document the incident properly can create problems if injuries surface later or if the other party decides to file a claim. A police report and an insurance claim serve as important records. They can also protect you from disputes or liability down the road.
Can Liability Still Be Disputed in Minor Collisions?
Liability is often contested, even for minor crashes. Each driver may have a different version of the events, so evidence like eyewitness accounts, dashcam footage, and vehicle damage reports can become critical in determining responsibility. Without a clear agreement or evidence, insurance companies may conduct their own investigations, which can delay settlements.
What Should I Do After a Low-Speed Crash?
First, prioritize safety by moving vehicles out of traffic if possible. Contact local law enforcement, take photographs of the scene, exchange contact and insurance information, and speak with any witnesses. Seeking medical attention is also important, even if you feel fine, so visit a medical provider as soon as possible.
Can Minor Accidents Affect Insurance Premiums?
Yes. The extent of the rate increase depends on who was found at fault, your driving history, and the insurance provider’s policies. We recommend weighing the potential cost of future premiums against the value of the claim before proceeding.
Do Minor Accidents Require Legal Help?
While not every situation calls for legal involvement, certain low-speed collisions raise concerns. Disagreements over fault, injuries that develop later, or issues with insurance claims can lead individuals to seek guidance from a legal professional. A knowledgeable lawyer can provide clarity and help you take appropriate steps based on the facts of the case.
How Long Do I Have to File a Car Accident Injury Claim in Pennsylvania?
In Pennsylvania, the statute of limitations for filing a car accident injury claim is two years from the date of the accident. After this period, you may lose your right to seek compensation. It is best to consult with a lawyer as soon as possible to protect your rights.
Discuss Your Case With Our West Chester Car Accident Lawyers at Eckell Sparks to Get the Compensation You Deserve for Your Injuries
If you were injured in a low-speed collision and are dealing with unexpected medical issues, insurance disputes, or questions about liability, the West Chester car accident lawyers at Eckell, Sparks, Levy, Auerbach, Monte, Sloane, Matthews & Auslander, P.C. have decades of experience with Pennsylvania traffic law and accident claims. For an initial consultation, complete our online form or call our Media and West Chester, Pennsylvania, offices at 610-565-3701. We proudly serve clients in Delaware County, Chester County, and Montgomery County.