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Are you currently insured or have been insured during the past 30 days (on any policy, for any vehicle) ?
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Risks Of Withholding Information

Hardly anyone likes to report on auto accidents when purchasing insurance. They know that this will surely result in higher premiums for them, or worst analyst, no coverage at all. Nevertheless you are required to supply such information when you apply for an auto insurance policy. When you don't report it is is likely that the insurance company will come up with the information anyway and either cancel you are deny a claim. It is possible that it was simply an oversight but this does not make any difference and you need to be careful about reporting all of your driving history when you apply for insurance.

What You Have to Report

• You are required to make known any accidents that you were in whether or not you were at fault.
• Claims made to other insurance carriers.
• Penalties you have acumulated on your driving record.

Why Applicants Usually Overlook Information Which Reporting
The figure for numbers of applications in which information with regard to past claims is withheld stands ad about twenty percent. This is true for both personal and commercial insurance policyholders. Even so, the failure to report past claims is not always intentional. On the other hand, there are many cases where the applicant thinks that he can get away with withholding information not realizing that most insurance companies will check up on their applicants. There are case though where the applicant as merely overlooked or forgotten past accidents, especially when they are minor or some years ago. Sometimes it is the fault of the insurance company. Like when the agent didn't ask the right questions and the applicant didn’t realize he or she needed to disclose this information.

What Happens When You Don't Report Past Claims

Insurance companies will usually double-check the information given knowing that applicants were asked to report their accident and insurance history, and anything not disclosed will be uncovered. When this occurs they have the right to deny coverage and usually do. The situation is even worse when people at high risk are given low rates and those who do report are at a disadvantage having to pay the higher rates.

What To Do If You Think You’ve Forgotten

In the case that insurance has already been issued but you now remember that you had a claim and didn’t mention it, just let your agent know about this. It is always possible that this information will not come up but it is still better to get things straight from the beginning and avoid the risk of losing coverage when you most need it.