What happens if I don't report a minor accident to my insurance?

My friend told me not to report small accidents to my insurance because my rate can go up. What would happen if I didn't report it?

Answer
“Getting into a minor car accident may seem insignificant, but choosing not to report an accident to your car insurance company means you won’t have coverage if your car is damaged or you’re injured.
Even a minor accident could cause damage or injuries. If you don’t report the accident to your insurance, they will deny any claims resulting from the accident.
When another driver is involved, they could also deny any claims relating to their injuries or damages. If that happens and you’re at fault, you’d be liable for them.
Even though your rate may increase after reporting an accident to your insurance, it likely won’t be as much as legal costs, medical bills, or damages that may result from an accident.
If your rate increases, shop around with other carriers.
If you want cheap car insurance quotes fast, go to Jerry. As a licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.”
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Emily Maracle
Answered on Aug 18, 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.
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