Will They Know You Were in an Accident?
First, it may be illegal not to report it. Many state laws say if you are in an accident of any type, you must report it to the police. The police should visit the location, document what occurs, and then file a report. Even if your state does not require this, doing so helps figure out exactly what happened. This is helpful later.
If another party suffers damage, it is likely they can file a claim with your insurance company – even if you do not provide that information. They can contact the police. They can provide your license plate number. And, they can then pursue a claim under your policy. Their insurance company may take steps to do so as well. In short, your insurer will often find out.
But What Are the Consequences of Not Reporting an Accident?
Reporting tools make it possible for insurance companies to learn about such accidents. And, the costs of not filing can be high. But, realize you pay for car insurance to gain these benefits. And, just one accident may not impact your overall auto insurance costs. Make sure you file a claim, regardless.