Clarification:

There were no police reports for my wreck.  I just filed a claim to my company.
 There were no other cars involved, I was on an icy road in that god-awful
hell-hole of Paducah, Kentucky, and just lost control in a high gust of wind.

Is the police report the key to my insurance company being able to check if
I've ever had a wreck, or do insurance companies conspire to a "credit bureau"
type agency or database?

It's been eight months since I filed the claim.

Thanks again for help and comments.

On Oct 8,  3:57pm, Pat Walsh wrote:
> Subject: Re: "House Tags," "Motor Homes," and Insurance
>
> >I have an insurance question for the many gurus of this list.
> >
> >When shopping around for insurance carriers, most brokers ask if you have
had
> >any wrecks.
> >
> >My question is: how do I answer this question?
> >
> >I have had a wreck, but if it does not show up in someone's database, I
don't
> >want to admit it to a new insurance company. God knows, they're gonna ream
me
> >enough with regular premiums, I don't want to give them an excuse to screw
me
> >for more.
> >
> >My insurance co just declined to renew my policy, I think because of my
recent
> >wreck in which they had to pay out more than the book value of the van.
> >Bastards. Anyhow, now I have to search for a new company.
> >
> >Should I lie or tell the truth?
>
> Here in Indiana, you can go to the main Bureau of Motor Vehicles and get a
> copy of your driving record for a fee of about $5.  If I were you, I'd do
> that and see if your wreck appears on it.  (Was a police report filed?)  If
> it's been a few weeks since your wreck and it's not on the driving record,
> then I probably wouldn't tell them.
>
> Pat Walsh, '71 Westy, walshp@camry.nawc-ad-indy.navy.mil
>-- End of excerpt from Pat Walsh

-- 
- Greg Daughtry -