[Rogue Leader]

If an accident report is made, depending on the state it IS listed on your license. Usually that accident report does not show fault if you license is searched. You would have to see the actual report to see fault.

However because you made a claim with your insurance company there is a record that any new insurance will know about. Companies use a Choicepoint product called CLUE (Claims Loss Underwriting Exchange). This as well does not show fault, however fault can be determined by the coverages that were paid. Insurance underwriters then contact the company to find out the whole story.

Moral of this? You might as well tell the new company they will find out anyway and at least then you will know immediately what your insurance will cost. Unfortunately that is an at fault accident since you lost control and hit something first.