Auto incident for which the case was dismissed but insurance asking for more information when trying to get quote.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 30, 2014

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Insurance Question from Bellevue, WA

Asked on 12/30/2014

Auto incident for which the case was dismissed but insurance asking for more information when trying to get quote. There was an trivial incident where I believed I was not at fault but still said sorry and moved on. Few days later, cops came and stated about complaint they received. I involved an accident attorney and the case was dismissed. Insurance wasn't involved as there was no claims.Seeking quotes from other insurance providers, they have questions about it and want to know if I was at fault or not and how much money was paid out. It has become tricky situation as insurance wasn't involved and no claims were made. Was it required for me to involve insurance. Can they increase the premium for this?

Answer given on January 03, 2015

It is presumed that you have volunteered the information on the accident to the new insurance companies. If not, there must be a record of the accident done by the police. If you have volunteered the information, then you simply need to explain that it was a minor incident and there was no damage to either car and no insurance claim was filed. If there was a police report, then you must explain with the above information.Going forward, presuming the incident is not on your record, do not provide information on the accident. Since there was no damage and no claim, then you do not need to tell the insurance companies about it. If there is a record, then you must continue to explain no damage and no claim was filed.

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