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Question

Will an unreported car accident affect my premium?

I'm trying to get car insurance for my new car but was wondering if my last car accident will affect my pricing even if no one was hurt and it wasn’t reported? I crashed my car on the side of the highway and no property was damaged. Then I left the scene and my car was towed, will it come back on my insurance?

Jun 1, 2020 Houston, TX

Answer
Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

If you have any questions, feel free to ask.

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