Off record car insurance accident
I had an at fault car insurance accident a few months ago, but it is not on my record. Right now I am going with a new auto insurance company. Do I have to tell them about the accident?
Jeff
It would be in your best interest to do so.
Although you may be hesitant to let out information about past at fault car insurance accident, starting a relationship with a new car insurance company should be done in the right way if you want to be on anything less of a turbulent ride. Even though you may want to keep the at fault car insurance accident out of the conversation because it is offer your record, remember that everything has a paper trail. That accident will probably catch up with you eventually.
If your auto insurance company does not find out about your accident within the first sixty days of you being a policy holder, during which phase they can cancel at any time, then there are still many other opportunities to find out before the auto insurance accident really does fall off your record so that it no longer counts towards your auto insurance score. Car insurance companies regularly do checks on their customers, check their driving records and pull up their CLUE reports. While your driving record might not show the accident, the CLUE report lists every claim that you have made, and this information is available to your car insurance company as well as to you.
If you want to keep your rates down even with your at fault car insurance accident, then you need to try other, safer, more legal ways, of which there are plenty. First of all, you can start off by raising your deductible and shopping around extensively before you settle on a certain company as your new one. Ask car insurance companies what kinds of discounts you offer. You don’t have to lie to get cheap auto insurance coverage.
Cheers,
Fashun Guadarrama.
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