An accident will go on a driver’s permanent record if the accident is reported to the police and the driver is found to be at fault. When an officer reports to the scene of an accident, they will submit a formal report that includes each driver’s version of the events and which of the drivers is/are responsible.
What Is Included in Your Driving Record?
Everything on your driving record constitutes your driving history. Any tickets, suspensions, or ongoing traffic court issues (including reinstatement fees you’ve ever owed) are included.
To get a copy of your driving record, you can request a copy at the Indiana DMV website. Your driving record can impact your auto insurance premiums.
Indiana Is a Modified Comparative Negligence State
In a modified comparative negligence scenario, both (or all) drivers involved in a traffic accident may be found at fault on a percentage basis. For example, driver A may be found at fault for 70% of the accident, and driver B may be found at fault 30%.
When it comes to a driver’s insurance accepting liability for an accident, they will do so only if their client is found to be more at fault than the other driver/drivers. As in the example above, driver A’s insurance would have to assume the costs of repairs for both drivers A and B.
When To Report an Accident
Technically, not every vehicle accident must be reported. However, because it can be difficult to know the full extent of damage in the wake of an accident, it is usually best to call the police and the insurance company to report the incident.
You must report an accident if anyone was hurt or might be hurt.
You must report an accident if there is any property damage other than to the vehicles involved in the accident.
You must report an accident if the damage to the vehicles involved exceeds $1,000.
Whether or not the accident merits reporting, it is illegal to leave the scene of an accident without resolving the situation. No matter how little you suspect the damage to be, do not leave. You must stop to make sure that everyone is okay and survey the amount of damage.