How Does My Insurance Company Find Out About Car Accidents?
Car
insurance companies typically look at your motor vehicle record (MVR) when you
apply for a new policy and every year around renewal time. Your MVR will
include accidents that were reported to the state. For example, if police
responded to the scene of an accident and filed a report, it will be included
in the MVR.
In some
states, like New York, you are required by law to file an accident report to
the DMV for any car accident with damage over $1,000 or if anyone sustains an
injury.
Your MVR
might also include:
Traffic
citation convictions.
Court
convictions.
License
suspension and revocation actions.
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