You may not think you need to declare a fender bender to your insurer should you decide to cover the cost of the repairs to your vehicle yourself. You'd be wrong! You are required to report the accident. You should also know that the accident could be recorded in your file at the Fichier central des sinistres automobiles (FCSA), a database that tracks claims, if the other driver reports it to his insurer. If so, your insurer will find out about the accident when it consults your FCSA file and >>