The main reason this is done is because insurance companies know they have a better chance of winning the argument to a jury that your injuries are not too serious if you have extremely minor damage to your vehicle.  Of course, there are narrow exceptions to this; for example, I once represented a Chula Vista lady who had a lumbar surgical fusion just two months prior to her low property damage car accident.  I was successfully in arguing that even the tiniest tap to her bumper aggravated her prior medical condition.  The point here is to be aware that low property damage can be an issue to your injury claim, but not always.  You should consult with an experienced California car accident lawyer if you feel you might have minor property damage.

Mark C. Blane is a San Diego Auto Accident Attorney, and the managing lawyer of the Law Offices of Mark C. Blane, a San Diego, California Personal Injury Law Firm devoted to representing families of injured persons of automobile accidents. If you or someone you love, has been injured or killed in San Diego County, or Southern California, due to the negligence of another, please order your FREE copy of Mr. Blane's book, The 10 Secrets You Need To Know About Your Injury Case, BEFORE You Call A Lawyer. It is full of helpful information, insights, and secrets that will help you protect your legal rights.  It normally sells for $16.95; however, it is free to all California residents, or those injured in a California accident.