Whats worse: Accident w/bodily injury or accident w/o injury + infraction?

Question

I was looking over my auto policy and it appears my auto insurer has been charging me for an accident WITH bodily injury for over a year now. However, my accident was single car accident with NO injuries.

My dilemma is that they are not charging me for a ticket i got after the policy renewed for another year and I don't know which is worse.

Also, can they credit me for the year they were over charging me?

Answer 1

They can't charge you for the ticket till the next renewal, if it was only a minor infringement ie. no license suspension then it shouldn't have a big impact on your insurance. Bodily injury may however, you should check it with them I doubt that you'll get any credit back maybe a small amount off your next renewal if you stay with them. But if I know insurance companies...

Answer 2

If you do not correct it and somehow find out this is considered fraud. Best thing to due is to be honest, insurance fraud is not fun.

Answer 3

For insurance purposes, the accident is worse than the ticket.  You will probably have to provide them with the police report so they can verify your claim.  I wouldn't be too concerned about the ticket.

Answer 4

Any time you are in an accident or get a ticket your rates can go up. If you have too many of either they can cancel you.

Tickets only stay on for a short period of time.