Car was in a crash

[cwp_sedan]

Two questions.

1. What happens if you don't report an incident over $1,000? Does anyone actually care? If a cop just drives by and asks, couldn't you just say 'yeah we reported it'? Just out of curiosity.

2. Is there any chance that even if she's 100% at fault, your insurance will still go up?

1. it's not a huge problem as sometimes it's a hard time to judge if it's over $1000. As long as you report it that is all that matters. If it's a big accident then I would call the police.

2. No it shouldn't. It it's 100% the other parties fault, your insurance will not go up.

The answer for number 2 is yes depending on what kind of policy you have.

What kind of policy would that be? I have never heard of that. Just curious that's all.