Had an at-fault accident with foreign driver license, will it affect my premium after got U.S. driver license?
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UPDATED: Jun 23, 2014
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Insurance Question from Baltimore, MD
Asked on 06/23/2014
Had an at-fault accident with foreign driver license, will it affect my premium after got U.S. driver license? I had an insurance policy at the time the accident happened and the premium, of course, increased. I got American driver license a few months after the accident and am wondering if I change to another insurer and tell them my record is clean, will it be a fraud? The insurer now I have has paid tens of thousands dollars for my accident, if I change my insurer, will they tell the other insurer about my accident? Thanks for helping!
Answer given on June 24, 2014
If you have an auto accident in the US on a foreign license the information may not automatically transfer to the new US license. However, the insurance company that paid for your accident will report to a national system regarding your accident. If they obtain your US license number it will then connect to the new license and other insurance companies will be able to determine that you do have an accident on your record.If you change insurance companies and do not reveal that you had the accident it is technically fraud. The new insurance company will probably find out about the accident and can either increase your rates or cancel your insurance for not revealing the claim. Then you may find it even harder to find insurance since you lied on an application. It would be best to either stay with your current company or shop around revealing the accident.
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