Do I need to report an accident to my personal insurance if I was driving a work vehicle?
I’m currently looking for auto insurance since my premium keeps increasing. When filling out the application, it asks for details about any accidents or tickets. About 14 months ago, I was in an accident while driving a company vehicle and was found at fault. Should I include this on the application, and how does this process work? Do they check my Motor Vehicle Record (MVR)?
Yes, you should report the accident involving the work vehicle on your application for auto insurance. When you apply for insurance, they often ask for information about any accidents or tickets you’ve had in the last few years, even if they occurred in a vehicle that was not personally owned.
Insurance companies commonly check your Motor Vehicle Report (MVR) as part of the application process. If the accident is on your MVR, they will likely find it regardless of whether you report it or not. It’s usually better to be upfront about your driving history to ensure transparency and avoid potential issues later on.
Reporting the accident may affect your premiums, but failing to disclose it could lead to complications down the line, such as denial of coverage or claims. It’s best to consult directly with the insurance company for clarification on their specific requirements.