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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You should disclose an accident to a new
car insurance
company. While it may be tempting to omit the information, they will find out about it regardless.Car insurance companies have access to a database where they can easily access your driving record, including:
- Accidents
- Tickets
- Violations
Even if you initially get a lower rate by not disclosing an accident, your rate will likely increase once the final reports come back.
Alternative option: If you want 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.
View full answer
- Gregory R.
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