If you’ve been in a car accident, you might be wondering how it could affect your credit score. Car accidents can cost up to $44 billion in medical care and lost work, but that doesn’t include property damage, injuries, and other more permanent side effects.

While car accidents don’t directly affect your credit score since they aren’t reported to any credit bureaus, you can still see a dip in your score if you incur massive debts from your accident that you’re having trouble paying off. You would need to keep paying any minimum payments toward your debts, as you do with credit cards and loans, so as not to see a drop in your score. Other than that, though, it won’t directly impact your score.

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