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If my teenager rear ended another car but we aren’t filing a claim, will my insurance rate go up?

My daughter hit a car at a red light. The vehicle is worth less than a $1,000, but we are more than willing to pay the other driver for their damage. If we don’t file a claim with our insurance company, will our rates still increase?

Agent Answer

Neil Richardson

The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing. However, if you decide to switch to a new insurance provider within the next 3 years, the new company will then run a driving report and the accident will likely show up on the MVR (motor vehicle report). If you do experience a rate increase you can always shop around!

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