Do you call policy in a minor fender bender in a parking lot?

In a minor fender bender in a parking lot, it's generally advisable to call your insurance company, especially if there are damages or injuries involved. Reporting the incident can help document the event for potential claims, even if you plan to handle it informally with the other party. Additionally, some states or insurance policies may require a report for any accident, regardless of severity. Always check your policy guidelines and local laws for specific requirements.