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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.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”
View full answer
- Gregory R.
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