Updated: Aug 22, 2019
In order to pursue a meritorious claim if you are involved in an accident with another
vehicle (car, truck, SUV, motorcycle, semi . . .) the damage to your vehicle must be
significant. Carriers will not pay for injury claims where they consider the damage to
be minor. These days, this means property damage to your car should be in the thousands of dollars rather than under $1,500.00 or so. There are exceptions but the reason for this is causation of your injuries due to the accident.
There are studies that insurance companies rely on which state that "minor" damage
cannot cause certain injuries and they will hire experts to back this point of view up.
Now if you get hit from the side as opposed to from the rear then because of the
side to side shaking of your body, the damage may not have to be as significant as with a rearender. Remember to take photos as soon as you can after the accident depicting
the damage to your vehicle and the one that struck you. Causation in cases tends to be a consistently litigated issue by carriers.