Need new auto insurance policy; have history of non accidental damage to rental car

Question

I have been renting cars before, but now I am buying a used car tomorrow for the first time. I am planning to get new policy with AAA for the car insurance. I recently got my driving license. 2 months back, unknowingly I had a non-collision damage to an insured rental car. I think I hit the curb and there was a dent in the car below right side front door. I had comprehensive insurance, so I got away with no problem then. Rental car company(Enterprise) told me that it's OK since I have comprehensive coverage.

Now , since I need to take car insurance tomorrow, do i need to tell AAA auto insurance agents about this incident. I guess if I tell them about it, my premiums will increase. I would appreciate if I can get a quick response.

Answer 1

whatever you do, don't call it "non accidental"...I thought you were talkin bout "intentional" damage!

Answer 2

They will find out anyways since they run your driving record.

If the claim was paid under comprehensive then they thought it was a vandalism claim.  Otherwise if you did it, it would be a  collision claim.

So, I think you got lucky.   Comprehensive would probly not count against you, only collision would.   But don't mention it, let them figure it out and let you know.

Licensed Agent

Answer 3

I am no gonna say I am one hundred sure about it.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a good resource.http://car-insurance.online-tips.info/ca...