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
Emily Maracle
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.”

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