Should I File An Insurance Claim if Someone Hit My Rear Bumper, But There Is No Significant Visible Damage?

November 24, 2020

After an accident, there may be more damage than meets the eye.

If there is ANY potential claim for injuries from a third party in the future, then… yes, report the claim. If not… then probably, no. But read on.
Keep in mind that what you see of a bumper, is really just a rubber/plastic bumper cover that houses many other parts:

From the diagram above, you can see that there are a number of parts that can be damaged that the eye may not be able to see from the outside. To be safe you could take your car to a reputable body shop to confirm no additional damage.
Important… if there is any chance that another party may claim injuries down the road… always report the incident no matter how minor the damage.
Barring another party being involved, the fact that there is no visible damage would suggest you may have little to worry about. Seeking the counsel of your agent and/or a reputable body shop would be a wise move.

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Auto Rates and Finger Prints: Both are Unique to You!

By Jeff Ryan • April 7, 2026

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