NLIC.org

Clyde Said:

Will my insurance company find out about my other accidents?

We Answered:

What, you are a bad driver and you think you can continue to hide it? Not a hope in heck. If you change insurers, you have to answer a question about any accidents, at fault or not, in the last 3 or 5 years. Lie, and it comes out when you make a claim, your claim will be denied.
Your present insurer may or may not ask you for a new disclosure, and they may or may not check public records on accidents. However, after that one accident, there is an excellent chance they will.
Don't change companies, your rate MAY go up.
Change companies, it will either go up or you will have your insurance summarily cancelled/claim denied for failure to disclose a material fact.

Learn to drive, and don't try to game the system or the system may bite you back big time.

Martha Said:

The Car insurance company gave me a low estimate on repairs?

We Answered:

First off... do not cash or deposit the check that the insurance company gives you. Take the person who hit you to small claims court. bring 2 or 3 insurance estimates. The other persons insurance will represent them..but they will lose and the judge will grant you the lower of the 3 estimates. Only thing that sucks is that it will take a while.
In most cases you will not actually go to court because the insurance co. knows that they will lose so they will back down.