Services
PriceProtect™
DriveShield™
GarageGuard™
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Home Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Recent Studies
Comprehensive Data Reports
Reviews
About
FAQ
MenuIcon
BACK

Do you have to report every auto accident to your insurance company?

The sun blinded me while I was driving the other day, and I ran into my neighbor's fence when I thought I was turning into the driveway. There is damage to my car, but I only have liability coverage. Do I need to report this?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You don’t have to report every auto accident. However, your insurance carrier does want you to report any driving activity to them, even if it is something they won’t cover.
You should know that this type of accident will be deemed at fault, and it will cause your insurance premium to increase.
If you are looking to get the fence fixed and paid for by your carrier, then you will want to report a claim. The
property damage liability
 on your policy will pay for it.
If your neighbor reports the claim to their homeowners insurance company, they will probably fix the fence. But then the insurer will get in touch with your carrier for reimbursement.
If you and your neighbor are on good terms, see if you can pay them directly for the fence repairs. This way, no one has to report anything and everyone’s premium will remain the same. “
Car Insurance
View full answer 
Jerry user testimonial avatar
rating primary
“My experience with Jerry has been absolutely incredible. It took my car insurance from about $400/month to about $80. The entire experience is seamless.” - Gregory R.
Lower my car insurance too
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Find insurance savings

You Might Also Be Interested

card cover

What You Need to Know about Your Liability Claim

Filing a liability claim is pretty simple—especially if you ensure you collect ample evidence and information at the scene of your auto accident.
avatar
Sarah Gray
card cover

Does a No Fault Accident Go on Your Record?

All accidents go on your driving record, including ones that aren’t your fault. But whether your insurance increases will vary.
avatar
Bonnie Stinson
card cover

What Do I Do If Someone Hits My Parked Car?

Does insurance cover hit and run parked car? If you have collision coverage, you should have no problem getting your repairs paid for.
avatar
Jake Biderman

Read Advice From Car Experts At Jerry

card cover

Consumer Interest Cools as EV Debate Heats Up on Campaign Trail

Thirty-five percent of American drivers are interested in an EV as their next vehicle, down from 41% in a survey a little less than five months earlier and 49% in late 2022.
avatar
Henry Hoenig
card cover

Gifting a Car in Virginia

To gift a car in Virginia, bring the title to the DMV along with a bill of sale, a tax exemption statement, and a $15 title transfer fee.
avatar
Sarah Gray
card cover

Gifting a Car in Wisconsin

Gifting a motor vehicle in Wisconsin will require you to visit the Department of Transportation to transfer the title and register the vehicle under the new owner’s name.
avatar
Sara Brody

What Others Are Asking

How much is Jeep’s disposition fee?
The lease on my Jeep is about to run out, and I know I’m going to have a few fees to pay when I turn the car in, so I’m trying to plan ahead. How much is Jeep’s disposition fee?
avatar
Sarah Gray
Where is the 1995 Toyota Corolla OBD port location?
I’m a relatively new driver, and I inherited a 1995 Toyota Corolla. I’m determined to make it last for as long as possible, but my check engine light recently came on and I’m not sure how to scan the diagnostic code for this car. Where is the OBD port located?
avatar
Macy Fouse
What’s the best year for a used Volvo S60?
I’m ready for a new set of wheels. What’s the best year for a used Volvo S60?
avatar
Melanie Mergen
Browse All Questions

Browse More Content

Car Repair Resources

Insurance for Your Car

Insurance in Your State

    Insurance In Your City

    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
    Car Insurance by Make
    Audi
    BMW
    Dodge
    Ford
    GMC
    Honda
    Hyundai
    Jeep
    Kia
    Lexus
    Mercedes-Benz
    Mitsubishi
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Model
    Chevrolet Silverado
    Chevrolet Malibu
    Ford Escape
    GMC Sierra
    Honda Accord
    Honda Civic
    Hyundai Tucson
    Jeep Cherokee
    Jeep Wrangler
    Kia Forte
    Mazda 3
    Nissan Altima
    Subaru Outback
    Subaru Crosstrek
    Toyota Camry
    Toyota Corolla
    Toyota Tacoma
    Toyota Highlander
    Toyota Rav4
    Volkswagen Jetta
    View all
    Car Insurance by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Insurance by City
    Austin, TX
    Boston, MA
    Charlotte, NC
    Chicago, IL
    Columbus, OH
    Dallas, TX
    Denver, CO
    Houston, TX
    Indianapolis, IN
    Jacksonville, FL
    Las Vegas, NV
    Los Angeles, CA
    Nashville, TN
    New York, NY
    Philadelphia, PA
    Phoenix, AZ
    Portland, OR
    San Antonio, TX
    San Francisco, CA
    Seattle, WA
    View all
    Car Loan by Make
    Audi
    BMW
    Chevrolet
    Ford
    GMC
    Honda
    Hyundai
    Kia
    Lexus
    Nissan
    Mercedes-Benz
    Subaru
    Tesla
    Toyota
    View all
    Car Insurance by Company
    AAA
    Allstate
    Aspire Advantage
    Assurance America
    Bristol West
    Commonwealth
    Dairyland
    Encompass
    Infinity
    Kemper
    Mapfre
    Mercury
    National General
    Nationwide
    Plymouth Rock
    Progressive
    Safeco
    State Auto
    Travelers
    Car Loan by State
    AL
    AZ
    AR
    CA
    CO
    CT
    DE
    FL
    GA
    ID
    IL
    IN
    IA
    KS
    KY
    LA
    ME
    MD
    MA
    MI
    MN
    MS
    MO
    MT
    NE
    NV
    NH
    NJ
    NM
    NY
    NC
    ND
    OH
    OK
    OR
    PA
    RI
    SC
    SD
    TN
    TX
    UT
    VT
    VA
    WA
    WV
    WI
    WY
    Car Repair by Service
    AC Compressor Replacement Cost
    Battery Replacement Cost
    Fuel Injector Replacement Cost
    Fuel Pump Replacement Cost
    Ignition Coil Replacement Cost
    Oil Change Cost
    Oil Pan Replacement Cost
    Power Steering Fluid Service Cost
    Rotate Tires Cost
    Spark Plugs Replacement Cost
    Timing Belt Replacement Cost
    Valve Cover Gasket Replacement Cost
    Water Pump Replacement Cost
    Wheel Bearings Replacement Cost
    View all