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Currently researching same and so far have found only that a 'minor' accident is consists of soft tissue damage only...

Additional: It also can depend on the law of your particular jurisdiction. Some states have dollar limits on the damage, above which it is REQUIRED that you report the accident (to the police/DMV/whoever) and this 'set' dollar amount is the customary separation between "minor' and 'major' in PROPERTY DAMAGE accidents.

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Q: What is the difference between a major and a minor car accident?
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