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Originally Posted by la petite moi
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Now, this morning I got in a car accident and made a claim with my parents' car insurance agents. Most of the damage was done on my car, and even though I didn't make a police report, I'm guessing the claim will make my parents' premium go up.
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I am not sure about your insurance, but with every insurance policy I have carried (State Farm, AIG, Progressive, and GEICO) a police report is needed in order for them to process a claim. Your parents' premium may still go up because a claim was made indicating you had an accident, but more likely than not they will not pay anything without a police report.