Motorcycle Insurance

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.

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Coverage & Claims

Should I take cash for a not-at-fault accident?

If you choose not to go through the insurance company, then it is between you and the other party to work out the details. It is your choice as to how the claim is handled.

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Coverage & Claims

Will my rate go up if a police officer writes an accident report but I never file a claim?

Any time a police report is written after an accident, it gets listed on your motor vehicle report (MVR); impacting your rates with other insurance companies for at least 3 years from the date of the accident. Your current insurance company is unlikely to re-run your driving record since you're already a customer, but if you ever decide to leave for a new provider then the accident is likely to negatively impact your rate.
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