Car insurance companies typically look at your motor vehicle record (MVR) when you apply for a new policy and every year around renewal time. Your MVR will include accidents that were reported to the state. For example, if police responded to the scene of an accident and filed a report, it will be included in the MVR.

What is non reportable?

When you are involved in a relatively minor automobile accident with property damage to the vehicles estimated at less than $1,500 and there are no injuries reported at the scene, the officer will most likely designate your accident as “non reportable”.

What happens if you report an uninsured driver?

Here’s what you need to know… There isn’t much you can do effectively to report an uninsured driver. If they cause an accident they can be sued. Getting uninsured motorist coverage on your policy will protect you from those who drive uninsured.

When to file an uninsured motorist claim?

Some states that mandate this type of insurance coverage include Maryland, New York and Vermont. If you’ve been in an accident that is another driver’s fault and they do not have adequate insurance to cover the damages, you will need to file an uninsured motorist coverage claim.

Who are the uninsured drivers in the United States?

According to the Insurance Research Council, about one out of every seven drivers in America is driving as an uninsured motorist. In most cases, if another motorist hits your automobile, his or her insurance pays for the damage.

Can a car insurance policy cover an uninsured motorist?

Without the right coverage, you may be stuck financially responsible for an accident that was not your fault. Uninsured motorist coverage can be added to most car insurance policies, and some states are even mandating it to provide extra security for properly insured drivers.