Whether or not your insurance company paid anything for your accident, the incident itself will most likely be listed on your CLUE report
. If a police officer wrote an accident report then it will likely be listed on your MVR
as well. If you were considered to be at fault in the accident then your rate could be impacted negatively, but that decision will ultimately be up to your insurance provider. If you happen to switch to a new company within the next 3 years, the accident is listed on your CLUE report, and you were considered to be at fault, your rate is also likely to be impacted. I would recommend contacting your insurance company to find out how your current rate may be affected.