Sometimes accidents don't show up on your record for a while. Eventually if your policy is in the middle of its term and they run a MVR or Auto Loss Report they may see the accident, most insurance companies can't charge until the policies renew.
Insurance companies have a thing called Clue that they all report to. You can try leaving out that information, but 9 times out of 10 your new insurance company will find out about your history.
When they are submitted to the state by a municipality or insurance company they are sent to you driver's history. If you have an accident that is not reported to police, and is handled out of pocket, it will not reach your insurance company or your driving record. Most insure companies require you to report all accidents.
of course...
no
It goes on your record and your insurance rates get adjusted.
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This will vary in different states. I know in Georgia an insurance company can request a report for 3 years or 7 years. Most insurance companies request the 3 year report because their rating plan is based on 3 years driving record. It also costs a good bit more to get a 7 year record instead of the 3 year record. I have one company that rates based on 5 years so they get the 7 year record. Lots of times people think that tickets and accidents fall off their record after 3 years but this isn't true. Tickets and Accidents are on your record forever. The only thing that varies is the time period covered by the report that is sold to outside companies.
IMMEDIATELY, your policy will say, ''you must promptly report all accidents''
YES and your insurance premium $$$$$$$$$$
Yes, you will need to report your accident to the police. You should report all accidents to the police, so that you can file a claim with your insurance.
The amount of time a driving record covers varies from state to state, but all will report any tickets or accidents that occurred in that state.
Most of the time they will show up in your driving report that they run.