Quote:
Originally Posted by ChaoSS
BTW, even if it never makes it to the insurance, the DMV knows about the accident, and will report it to your insurance, so it will come in as another accident, even if it isn't a claim.
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This is true, but there are differences in how it can affect insurance rates. If an accident comes through, but there is no claim, the rates will be much less likely to be affected. If they are affected, it will be for a smaller amount than if there were a claim paid out due to the accident.