Do I have to disclose my Allstate insurance if I'm in an accident and prefer to pay the other driver out of pocket?

The damage to the other driver's car is pretty minor. I'd prefer to pay cash and avoid a hike in my insurance rate.

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Sophie Newman
Answered on May 24, 2021
“If the police file an accident report, you will definitely need to disclose your Allstate policy. Driving without minimum state car insurance is illegal and could result in fines or even jail time.
Also, it’s possible that the other driver will report the accident to their insurance company, and if this insurer determines that you’re at fault, they will want to seek out your insurance for reimbursement.
In short, if you have an insurance policy, you should report it to both the other driver and law enforcement, even if you offer to pay the driver out of pocket. “
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