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.

“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. “
Sophie Newman
Answered on May 24, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free