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Question

Will my company find out about a car accident if I don’t file a claim?

Can my work insurance company for my big rig truck see an accident I got into in my personal truck if I don’t make a police report or file a claim? My second question is if it’s worth it to file a claim? I estimate I did about 2k worth of damage to my truck. I have a $250 deductible.

Agent Answer

Ava Lynch
Your companies insurance company can find out about the incident if you file a claim. Most insurance companies report claims to CLUE, which is a database that holds claims and insurance information to be shared amongst insurance companies. If you do decide to file a claim, keep in mind the claim will be listed as an at-fault accident can impact your rates for up to five years. If you can afford the repairs, I would pay for them out of pocket, to avoid rate increases and any issues with your job. Here is more information on when to consider not filing a claim. The important thing to remember is that a claim will impact your premium for 3 years. In Idaho in 2018, an at-fault accident raised rates an average of $441. Over 3 years, that would cost you $2,341. In your example, you would have to pay the 2k of estimated damage plus your deductible. At this point, it’s really up to you. Because the premium increase and the damages are pretty close, it’s hard to say. However, you should think about any additional consequences filing a claim could have on your job.
Good luck and if you have any questions, don’t hesitate to ask.

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