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Question

Will my personal car insurance rate increase if I had an accident that was covered by a commercial policy?

I drive my own car for a private company, and when I am on the clock my vehicle is covered by their insurance. I happened to be involved in a wreck when driving for that company, which was covered by the commercial policy, and I informed my insurance too. Does reporting the accident to my insurance company, but not filing a claim with them, mean that my rate will increase?

Agent Answer

Neil Richardson

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.

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