What happens when you do not tell your insurance company about a pass ticket or accident?

blb

The insurance company will find out about the accident. They run reports based on the VIN to find out if it has been in an accident and also a CLUE report. The CLUE report is a database of all accidents you have turned in with your insurance company.

If you lie it will depend on the company, some will cancel you and others will increase your rates based on the accidents. Both of the accidents will drop off this year as they only stay on for 3 years with most companies. Call around and see if you can get it any cheaper with another company but make sure you tell them about the accidents.

CowboyBill

They find out anyway and CANCEL your policy. Then you will be forced to purchase state pool insurance for about $550 a month for four years.

Tissa

insurance compaines run a licesne check before they decied what it will cost you. i am sure if you lie and they fond out about it, they could charge you more than if you were just up front with it. the good news for you is after 3 years accident free it usually goes back down.

Yes I am here!!

They can pull all tickets from the DMV. If you do not tell them they will find it.

PeppermintandPopcorn

They will find out and surcharge your policy. Or they will cancel you due to insurance fraud.

Depends on the company...

bigd_thunder

Your insurance rates will probably go up by 15% or more.

mgrenia

Your insurance company WILL find out, eventually.
Insurance companies talk to each other, so if anything was paid out in an accident it will be discovered. As far as a moving violation ticket, all insurance companies have access to all the DMV databases. You will get caught, it's only a matter of time.

When you do get caught they will either cancel you on the spot, or your rates will go up quite a bit when you renew your policy next year. This action depends on the gravity of the offense that you're hoping they don't find out about.

You're best off to just call your agent and fess-up.

S17V

If you lie - it's insurance fraud. Most likely your insurance company did a check to find out if you had prior losses - which you are required to disclose or you are misrepresenting yourself on your insurance application. If you did not cause those 2 prior accidents (regardless of damage), then they cannot surcharge you. If you did cause those accidents, that is basis for them to increase your premiums. Because 1. you are a more at risk driver than if you had no accidents, and 2. you misrepresented yourself on your insurance application. The worst that could have happend - would be they dropped your policy due to failure to disclose those 2 prior losses.

waterlily

The insurance company will find out. They can run a report based on your license and see if you were involved in any accidents, ticketed, etc. Just try to drive slower - the speed limit - and become a defensive driver. Your insurance rates will drop after few years.

jakeandashleywalter

the DMV will eventually catch up with you and your license will be suspended and once that happens your registration will be susupended. I would switch insurance companys. If you have to file an SR-22 your best bet would be insurance agencies that carry progressive insurance.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: