when you take out insurance you are usually asked the question if you have had any accidents in the past five years - you have a duty of disclosure to advise the correct information - if you advise that you have not had an accident and you have if the insurance company finds out this can make your insurance null and void and you can also be charged with fraud as you are supposed to be providing correct information when taking insurance out.
Do insurance companies search accident history reports on cars in addition to driver history reports?
they run your mvr and clue reports. this shows any violations and any accidents you have had. do they run history on the actual auto...no.
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