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What happens if I don't report a minor accident to my insurance?
My friend told me not to report small accidents to my insurance because my rate can go up. What would happen if I didn't report it?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Getting into a minor car accident may seem insignificant, but choosing not to report an accident to your
car insurance
company means you won’t have coverage if your car is damaged or you’re injured. Even a minor accident could cause damage or injuries. If you don’t report the accident to your insurance, they will
deny any claims
resulting from the accident.When another driver is involved, they could also deny any claims relating to their injuries or damages. If that happens and you’re at fault, you’d be liable for them.
Even though your rate may increase after reporting an accident to your insurance, it likely won’t be as much as legal costs, medical bills, or damages that may result from an accident.
If your rate increases, shop around with other carriers.
If you want cheap car insurance quotes fast, go to
Jerry
. As a licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.”View full answer
- Gregory R.
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