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Originally Posted by greeneyes
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.
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They asked if I made a report, and I said no. They had no qualms about it- and have said nothing about not paying. I have State Farm.