Subject: Minor Accident – Need Advice
I was recently involved in a minor accident where no traffic violations occurred. The other person’s bumper was only slightly dislodged, likely a $100 fix, maybe with some repainting needed. I didn’t provide my insurance information to the police at the scene, but I did give them my name and phone number, and I haven’t heard back from them since.
My mom is planning to add me to her insurance, and I’m curious if they will inform her about this accident. I was also in a more serious accident afterward, but the adjuster didn’t mention anything about the first one either.
I need advice as soon as possible; she’s requesting my driver’s license number. Thanks!
It’s understandable to be concerned about how the minor accident might affect your insurance situation. Since you were in a minor accident and didn’t have a traffic violation, it’s likely that the impact on your insurance will be minimal, especially if the other party doesn’t file a claim or follow up with your information.
When you are added to your mom’s insurance, they typically will conduct a review of your driving record, which may include any accidents you’ve been in. If the minor accident is noted in your driving history, it could show up, but the lack of a police report or insurance claim may minimize its visibility.
It’s best to be honest with your mom about the accident when you provide her with your driver’s license number. Transparency can help avoid issues later on if something comes up. Additionally, if you’re still worried, it might be a good idea to contact your state’s Department of Motor Vehicles or your insurance company directly to get more clarity on how accidents are treated in these situations.
If you have any insurance-related questions or concerns, consider consulting your mom’s insurance agent for more guidance. They may be able to give you a clearer picture based on your specific circumstances.