Question

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?

Apr 7, 2017 Columbia, SC

Answer
Neil Richardson

Apr 7, 2017

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.

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