Do you have to declare an accident to your insurance?

I am looking for new car insurance. My current rate is really expensive because of an accident I was in. Do I have to disclose this accident to a new company? If I don't, could I get a lower rate?

“While you may not want to disclose an accident to a new car insurance company, they will find out about it regardless.
Any accidents, tickets, violations, or claims are on your driving record in a database that’s easily accessible by any car insurance company. Even if you get a lower rate by not disclosing an accident, your rate would likely increase once final reports come back.
If you are looking for a lower car insurance rate, shop around. While your current rate is high, you may be able to find a lower rate with another carrier.
If you want to save money on car insurance, the Jerry app is a good place to start. As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying car insurance on your behalf. Jerry will even cancel your old policy for you.”
Emily Maracle
Answered on Aug 17, 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.

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