An MVR wouldn't show accident claims, it will only show your past tickets or citations. If an insurer paid out for a claim, the most likely report they're using is called a CLUE report.
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Coverage & Claims
Since the car insurance companies are involved it is highly likely that it will be listed on your CLUE report and impact your insurance premium. You should contact your insurance company and let them handle the claim since it will likely be reported either way.
The C.L.U.E. report is used by many insurance companies to report claims.
Coverage & Claims
If the policy was in your name when the accident occurred, the accident will show up on your claims history as an at-fault accident. The reason this shows up is your responsible for claims that are paid out on behalf of your policy.
There is not a website that will list which database an insurance company pulls their reports from. With that being said, most companies will disclose what they use if you ask.
There are some steps you can take to try and get this fixed. Most insurance companies are using what is called a CLUE report.
I would recommend getting what's called a CLUE Report. This is a comprehensive loss report.
While it can vary by car insurance company, most insurance companies will charge (rate your premium) for any ticket or violation for 3 years. However, after that 3 years you won't be charged.
It might depend on what your new company is referring to as an "accident" and what you consider to be an accident. For example, your insurance company might not consider not at-fault accidents when they created this discount.