Do I need to tell my insurance about every accident I'm in?
Do I need to inform my insurance of a scratch? I was scratched by another person's car. I gave them my information and they let me know the repair would be $300. I can afford to pay it out of pocket, so I was just going to do that.
Answer provided by
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whether you choose to alert your insurance is your choice, but it is recommended.
By submitting a claim to your insurance about an accident, you’re protecting yourself. Your insurance can defend in any lawsuits or claims that arise from the accident.
While you wouldn’t need to submit a claim to your car insurance if you can afford to pay out of pocket, you should still inform them about the accident.
You’ll also want to sign a written agreement with the other driver to confirm you’ll be paying for the damage at the agreed amount.
Even with a written agreement, they could still try to submit a claim with your insurance. If your insurance is not aware of the accident, they may refuse to provide coverage.”
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.
Browse by topics
What others are asking
Do I have to pay my collision deductible if someone hits me?
Will I need to pay my deductible to get my vehicle repaired? Someone hit me at a stoplight and I need to get the damage repaired. I have a $500 collision deductible.
Jul 06, 2021
What happens if I'm injured in a car accident and can't afford my health insurance deductible?
What should I do if I can't afford my deductible? I have a high deductible health insurance plan. I'm worried if I get into an accident, I won't be able to afford my health care.
Jul 06, 2021