Will my rate go up if a police officer writes an accident report but I never file a claim?
I was recently involved in a minor fender bender. Neither me or the other driver received a ticket when the police officer showed up, and we both agreed to pay for our own damage. Since we aren't filing claims, will my insurance rate be impacted?
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. Shopping around and including the accident on any quotes is a good way to tell if you're still getting a good deal with your current company.