Monthly Archives: November 2025

Do You Need To Call the Police for a Fender Bender?

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Minor accidents can be stressful, even when the damage seems small. Knowing when to call the police after a fender bender can help protect you legally and financially. Here’s what every driver should understand before leaving the scene.

When You Should Call the Police

Always contact the police if anyone is injured, the vehicles are not drivable, or there’s significant property damage. Additionally, if the other driver refuses to provide their information, appears intoxicated, or drives away, call the police immediately. A police officer can file an official report, which can be essential for insurance claims or disputes.

When You Might Not Need to Call

If the accident is truly minor, with no injuries and minimal damage, and both drivers are in agreement, you might not need to involve the police. However, some states require a police report if damages exceed a certain amount, so it’s wise to check local regulations.

Why a Police Report Matters

Even in minor accidents, a police report can help protect you from false claims or unexpected repair costs. Insurance companies often rely on this documentation to determine fault and process claims quickly.

Always Exchange Information

Whether you call the police or not, always exchange names, contact details, driver’s license numbers, insurance information, and license plate numbers. Taking photos of both vehicles and the surrounding area can also provide valuable evidence later.

Insurance Center of Green Valley: We’re Proud To Serve Green Valley, AZ

At Insurance Center of Green Valley, we’re here to serve all of the auto insurance needs of our friends in Green Valley, AZ. Contact us to chat with one of our friendly agents and learn more about our insurance services.

Does Commercial Insurance Cover Damage To a Customer’s Property?

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There are several situations where a customer can wind up with damaged property. Businesses that involve working around or in a customer’s house, such as construction or tree service companies, are more likely to damage a customer’s property accidentally. It’s important for business owners in Green Valley, AZ, to ensure they have proper commercial insurance. 

General Liability Insurance

Many business owners are legally required to obtain liability coverage. This applies to service businesses, such as electricians, plumbers, and construction companies, as well as anyone who owns a brick-and-mortar store. 

Liability coverage will cover damage to a customer’s property if it’s your company’s fault. There are various situations where this can apply. If a tree limb falls on a customer’s car while your tree service is cutting down a tree, it’s usually covered. If a customer slips and falls in your store because you forgot to put a wet floor sign down, and they break their new phone, that’s typically covered, too. 

Deductibles

While many policies cover third-party claims, a deductible is usually applied. This is the portion you must pay before your insurance kicks in. For example, if your policy has a $500 deductible and there’s $1,000 worth of damage, you must pay the first $500, and the policy will pay the remaining $500. An agent at Insurance Center of Green Valley can help you learn more about factors that impact your deductible. 

It’s essential to know what coverage your business has in place before an incident occurs. Experienced agents here at Insurance Center of Green Valley will work with you to get you the coverage you need. Contact us to learn more. We’re currently serving the Green Valley, AZ, area.