Car Insurance Costs

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

Sorry to hear about your situation. It's not easy to find competitive rates with that many at-fault accidents.

You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere.

If your daughter was the listed driver and the accident was logged correctly, most companies won't charge that against you. If you are looking to switch insurers and her accident comes up on your claims history, I would obtain proof or confirmation from that company that the claim wasn't yours so it can be cleared.

The policy would cancel if she doesn't pay the premiums. Legally speaking, this wouldn't have an effect on you if you're a non-driver.

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.

Thank you for your question. This actually happens quite often.

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle.

A non-owners policy gives provides liability coverage so that they can drive a non-owned vehicle. As such, it will be much cheaper because there is no specific vehicle to insure.

Sorry to hear about your situation. Chances are, you can get reimbursed if the SR-22 is deemed to have been unnecessary.