I’m shopping around for car insurance right now and I wanted to know if I should reveal that I had an accident about 3-4 years ago. The accident was my fault but no police report was made. The police was called to the scene but he said that a police report was not necessary because no one was injured. He gave me and the other driver a form and told us to send it into our insurance companies. I was driving my dad’s car and his insurance company handled the claim, I guess. We never heard anything about it again after I sent in that form. Note: I was not included on my dad’s insurance policy. I have never owned a car or bought insurance under my name. This will be the very first time. So should I even mention this accident?
2006-10-27 06:17:30 · 9 answers · asked by nancie 2 in Cars & Transportation ➔ Insurance & Registration
Insurance companies run what is called a CLUE report. It is based on who had the insurance policy at the time. In other words, it will show up for your dad, but not for you. So they insurance will have no way of finding out. Also, if this is your first policy, it would not even be applicable.
2006-10-27 08:48:32 · answer #1 · answered by christineann1972 2 · 0⤊ 0⤋
Insurance companies have two defenses! One being two private data bases that ALL the carriers rely on for insurance information which includes any and everything about you from your policy, the company, accidents, tickets, your personal information, credit reports etc! The next thing they ALL do is report any information they get their hands on to appropriate other sources such as motor vehicles and so on!
It isn't a crime not to tell them but they will find out and then more than likely surcharge you! And then when you put in a claim you will have no integrity what-so-ever if there is any dispute!!!! They put it all in the file--believe me my wife has been a claims manager for many moons!!!!!!!! You won't pull the wool over their eyes and they always maintain the option of canceling you for "insurance fraud along with criminal prosecution to which most companies are presently pursuing due to the large scale problems associated with insurance fraud!!!!!!!
2006-10-27 07:22:26 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You need to find out the exact date of the accident. If your agent asks you if you have had any accidents in the last three years and the accident is over 3 years old, there is no need to mention it. If the accident was within 3 years, most agents pull a report called CLUE (claims loss underwriting) and it shows accidents, who the driver was, etc. You should always be truthful on an application.
2006-10-27 06:27:38 · answer #3 · answered by mei-lin 5 · 0⤊ 0⤋
I am assuming that your dad took responsibility for the accident. If he did, there will be no record showing your name in relation to an accident. Most insurance companies only ask for records within the last 3 years and if your name wasn't there, don't say a thing.
2006-10-27 06:23:23 · answer #4 · answered by koral2800 4 · 0⤊ 0⤋
You have the definitive answer, but it's spread out in several answers, so I will restate it for you. Give them exactly what they ask for. In most cases, they will ask if you were involved in any accidents in the past three years. If that was longer than 3 years ago, you need not mention it. Same with tickets if any. But if it was within the time period, and you don't mention it, they can claim fraud and not cover you when needed, so always be honest.
2006-10-27 08:01:25 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋
I would say not to mention it. Insurance companies do their own checking, and may find it if you got any points on your license for it. It sounds like this one must've gone under your father's insurance policy, so he already may have had his rates raised. Please drive safely going forward, and hopefully the insurance company won't notice this one.
2006-10-27 06:26:28 · answer #6 · answered by SL_SF 5 · 0⤊ 0⤋
They will know anyway, so you should mention it. As soon as they run the CLUE report your at fault accident, regardless of the circumstances, will show up.
2006-10-27 09:23:30 · answer #7 · answered by Chris 5 · 0⤊ 0⤋
you won't be able to insure a motor vehicle that's no longer registered to you, and so (hence) you won't be able to make an coverage declare on that motor vehicle if it a finished loss. Conceivably, if I had the VIN of your motor vehicle i might want to insure it with my coverage corporation (oftentimes they require a replica of the registration... yet some do not). yet, if the motorized vehicle develop into ever totaled, i could not declare the cost of the motorized vehicle because that's no longer registered to me. Now, if he has a bill-of-sale from the chum, he would properly be able to cajole the coverage corporation he develop into the rightful proprietor of the motorized vehicle on the time of the twist of destiny yet basically hadn't registered it "yet." yet, it would want to might want to be a life like era of time, or the coverage corporation would basically deny the declare.
2016-10-16 06:40:10 · answer #8 · answered by ? 4 · 0⤊ 0⤋
i wouldn't mention it, they usually don't even go back that far when they ask you
2006-10-27 06:21:12 · answer #9 · answered by Anonymous · 0⤊ 0⤋