You were driving down the road and then next you know you're rear-ended. The accident wasn't your fault. You don't want to get the insurance company involved because you're concerned your rates will go up. Do you have to report the accident to your insurance company?
YES. YOU HAVE TO REPORT YOUR ACCIDENT TO THE INSURANCE COMPANY
The relationship that you have with your insurance company is contractual. Under the terms of the policy you have certain responsibilities and so does the insurance company. One of your responsibilities is to let the company know that you were involved the accident within a reasonable time after the accident. You can report the claim to your agent or to the number on the back of the card.
When you call up the insurance company, the representative will want to know the following:
The date of the accident
The location of the accident
A brief description of how the accident happened
If you were injured in the accident
The name of the other party; and
If you have a copy of the accident report
After the representative takes down this information, she will assign you a claim number. She may also explain the different types of insurance that you have and if you were injured and have medical payments insurance, they will assign your claim to a medical payments adjuster.
If you were not at fault for the accident, you cannot be penalized for using your insurance for medical expenses, getting your fixed or making a uninsured or underinsured motorist claim. The only way your insurance premium can be raised or you can be cancelled is if you were at fault for the accident or you were involved in a number of accidents in the recent past.