Question

Why does a $0 claim stay on my insurance record?

I make a claim and then cancel it, but the insurance company still post it on my record even though I didn't get any money from them. I parked my car in the parking lot and then I forgot to pull my handbrake (stick shift) when I got out of the car, it rolled to hit the poll. I call my insurance to make a claim but later on, I canceled it. Then I shop around for new insurance the agent told me told i have a claim with my current insurance even though i didn't get any money from them. I called them to removed it, but they said they can't because it is the regulation. Is it right for them to do that?

Sep 16, 2018 Allentown, PA

Answer
Ava Lynch

Sep 16, 2018

Since you reported the accident to the insurance company they have to report it on your driving history. The amount paid out will show $0.00 but it still has to be listed since it was reported. The catch is, most insurance companies require you to report any incident/accident even if a claim is not filed. This is to keep driving records as accurate as possible so insurance companies can accurately rate the risk of each driver. Good luck and if you have any other questions, don't hesitate to ask.

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