Police Report Filed. Do I Inform Insurance? Driving Me Crazy
February 1, 2012 6:34 PM Subscribe
Should I call or not.. This is driving me crazy... I really don't want to mess up my perfect driving/insurance record and don't want higher rates. I've also heard horror stories about Progressive, and am hesitant to call. This is in Nj
, and I have liability only
posted by rushtickt0ck to law & government (4 answers total) 2 users marked this as a favorite
An older relative who doesn't live with me and does not have a car/insurance of his own, borrowed my car, got into a minor accident with another driver. He hit the forward moving car as he was pulling out from a street parking stall. There's now a dent/scratches on the driver's side door of my car and squeaks if I try to open it too wide. But it's an old car, don't care about it too much. On the other hand, there's "not a single scratch" on the other car. If this is in fact true, it would seem like a waste to tell my insurance. If there is damage, I'd like to pay out of pocket. Unfortunately, neither party exchanged numbers, and I have no idea what the other party plans on doing.
1) My understanding is that DMV is notified anytime a police accident report is filed. Will my insurance definitely find out from the DMV? Will this go on my MVR record even if someone else drove my car and got into an accident?
2) As I understand, insurance follows the car. If my insurance finds out, will i have a record in C.L.U.E even though I wasn't in the accident? If so, will other insurance companies see that I was not the driver OR does that not matter?
3) Even if I contact them to report an accident only, would that still ultimately be considered "reporting a claim"?