What is considered a car accident (for car insurance purposes)?

October 7, 2017 · Posted in FAQ 
car insurance
Mike O asked:

When signing up for car insurance, it asks on the application whether the driver has been in a car accident in the past 5 years. What is considered a car accident? Let’s say I hit someone, but both parties decided not to report it. As far as the insurance company is concerned, is that considered a car accident for their purposes or no?

In such a case, what would one answer? Yes or No?

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3 Responses to “What is considered a car accident (for car insurance purposes)?”

  1. Brian W on December 11th, 2009 3:41 pm

    When ever a car hits another car, barrier or structure where damage and injuries is reported, and police report has been taken.

  2. Larry E on December 13th, 2009 7:27 pm

    Even though it wasn’t reported it’s an accident. Rather you report it or not is up to you but if you say no and they find ou tabout it you won’t be covered because of giving false information. As Clint Eastwood would say, do you feel lucky.

  3. ANDREW W on December 14th, 2009 7:19 am

    Easy answer,nope.Not solvable question,nope.Have a look here ,your answer may be here

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