I’m curious if my new insurance company can find out about an accident I reported to my old company but then canceled. Will it show up somewhere? I don’t want to risk any legal trouble, but I also don’t want my rates to go up unnecessarily. Any advice would help a lot.
Insurance companies can see your past claims history through reports.
They’ll find out even if you don’t tell them. If you don’t disclose it when asked, they can raise your rate later or even cancel your policy.
It will show up on your CLUE report, which is like a record of your driving and insurance history.
Once you open a claim, it gets added to your CLUE report even if you cancel it. There’s no way to erase it.
Once you open a claim, it’s recorded on your history. If the claim is still active with your old company, it might cause issues with a new one. If the claim is for $0, it might not affect your rates much, but it depends on the insurer.
You can’t cancel a claim once it’s reported. It stays in your CLUE report unless it’s proven to be inaccurate. You have to disclose it.
Claims go to CLUE, which is a database for insurance claims history. Also, car maintenance records can now be sent to Carfax, like oil changes at quick-service places. It’s useful for showing how well a car was maintained when selling.
@Sage
That only happens if the service shop uses Carfax. I know because I had to opt in for it.
Insurance companies share all claim info. There’s no hiding it.