Car Insurance Question

[Niner National]

I rear ended a lady a couple weeks ago, but no police came, so it is not on my driving record.

I'm getting a quote from a new insurance company and they pulled my driving record and all they found was an illegal uturn violation from almost 4 years ago.

They asked if I have any accidents or claims paid out that are not appearing on my driving record....

Do insurance companies share this information with one another?

I want to say no, but I don't know if this can be found out.

[Jbro]

Tell them no. If they find out just tell them you were drunk when the accident happened that is why you forgot about it.

[g5jamz]

No police report. Never happened.

Did the lady file a claim against your old insurance agency?

[Niner National]

Yes. She filed a medical claim against them too, which as far as I know is still pending.

Damage to my car was 3300. Her's couldn't have been more than 1,000. There was no damage to her car except to the bumper. My girlfriend got the same level of damage to her car a couple months ago when she was rearended and it was like $800 to be repaired.

[g5jamz]

If a claim was filed...they are going to find out.

[charlotte49er]

If a claim was filed...they are going to find out.

Yep! The only time you MAY get away with something NOT going on your record if you get caught speeding in another state. SOMETIMES, states don't share that information, or it may take years to catch up with you.

Otherwise, it will go on your record.

[Niner National]

If a claim was filed...they are going to find out.

Ok, that's all I needed to know. Wasn't sure if they could find out or not since no police report was filed. I didn't know if the companies shared information or if they could add it to your driving record.

Thanks.

[g5jamz]

I was going to say...if there was no police report, your insurance company could have fought it, but once your insurance company (must have had a recorded affidavit from you concerning the accident) had the claim processed, it's done and no police report was required.

[Niner National]

yeah they have a recorded affidavit from me because they are fighting her on the 'medical expenses' claim. I hit her going 5-7 mpg. I have a little Civic Hybrid and my car was still driveable after the accident.

[g5jamz]

She's money shopping or pill shopping...either way it's money.

[mmmbeans]

no... either way it's shopping.

[Jackofalltrades]

I rear ended a lady a couple weeks ago, but no police came, so it is not on my driving record.

I'm getting a quote from a new insurance company and they pulled my driving record and all they found was an illegal uturn violation from almost 4 years ago.

They asked if I have any accidents or claims paid out that are not appearing on my driving record....

Do insurance companies share this information with one another?

I want to say no, but I don't know if this can be found out.

Yes, in many cases they do share information. You could buy the new insurance and hope they don't catch wind of if, but if they do they'll obviously adjust your rate.

[Davidson Deac II]

Honesty is the best policy. :)

[CRA]

Yes. She filed a medical claim against them too, which as far as I know is still pending.

Damage to my car was 3300. Her's couldn't have been more than 1,000. There was no damage to her car except to the bumper. My girlfriend got the same level of damage to her car a couple months ago when she was rearended and it was like $800 to be repaired.

yes, if she filed a claim.....that information will eventually be avaliable for any insurer. Claims info is avaliable to all insurance carriers.

If you bumped someone and no claim was filed.....then you could ignore it.