I scratch a car back out in a parking lot and I already notify my insurace company the other party just want me pay for their repair ( 200 and they say if they do not report it I shall not get any point on my record even if it be my fault be this true?

Question

I scratched someone's car in a parking lot and they don't want to report it. Will it have any impact on my insurance record if I agree to pay for the repair?

Answer 1

If you scratch someone's car in a parking lot and they don't report it, it may not directly affect your insurance record. However, it's important to note that insurance companies may consider previous incidents when determining premiums or coverage in the future. It's always a good idea to inform your insurance company about any accidents, even if the other party doesn't want to file a claim. This ensures that you are following the proper procedures and can help protect you in case the other party changes their mind later on. It's best to consult with your insurance provider for specific guidance in your situation.(https://www.policygenius.com/auto-insurance/does-auto-insurance-cover-scratches/)