Car Insurance Costs
General Insurance

Will an unreported car accident affect my premium?

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. If you have any questions, feel free to ask.

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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.

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.

Car Insurance Costs
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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