Do I need to disclose a work vehicle accident to my personal insurance?
I’m currently shopping for auto insurance because my premium keeps increasing. During the application process, it asks for details about any accidents or tickets. I had an accident in a company vehicle about 14 months ago where I was found at fault. Should I include this in my application? How does the process work? Do they check my driving record?
When applying for auto insurance, it’s typically required to disclose any accidents you’ve been involved in, even if they occurred while driving a work vehicle. Insurers often consider your driving history, including accidents and violations, when determining your premium and coverage options.
Reporting Requirements: Since the accident was deemed your fault, it’s advisable to report it on your application. Failing to disclose it could lead to potential issues down the line, such as claim denials or policy cancellations.
Motor Vehicle Record (MVR) Checks: Most insurance companies will check your MVR as part of the underwriting process. This report includes details about your driving history, including accidents, traffic violations, and points on your license.
Make sure to be honest and accurate in your application. It’s better to provide full disclosure than risk complications later on. If you’re unsure or want more tailored advice, consider discussing your situation with an insurance agent or broker. They can help clarify how your specific accident may impact your premiums and coverage.