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Solo accident, going to file sr-1, repair estimate $2200. should i tell insurance? (2nd accident in 5 months)?

first of all, yes, i am a bad driver and i'm really going to drive slow from now on. this is my 2nd car accident in 5 months. the first one was deemed 70% my fault(my car and another one involved, we went through insurance). in this most recent one, it was just my car and a wall initial repair estimate is about $2200. i'm going to file an sr-1. so it looks like i have several options: option1) file the SR1, don't even call the insurance company, pay out of pocket option2) file the SR1, tell insurance, get them to pay for some of the repairs, and i pay for the rest option3) file the SR1, tell insurance, have them pay for all of the repairs how would my future insurance premiums be affected in each situation? how would it affect my DMV record and points against my driving record? i'm guessing the insurance company will find out even if i don't call them directly because of the SR-1 i'm going to file. but if i don't make the insurance company pay, will they not hike up my premiums as much? any suggestions or knowledge about sr-1 and insurance? thanks!!

   








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first of all, yes, i am a bad driver and i'm really going to drive slow from now on. this is my 2nd car accident in 5 months. the first one was deemed 70% my fault(my car and another one involved, we went through insurance). in this most recent one, it was just my car and a wall initial repair estimate is about $2200. i'm going to file an sr-1. so it looks like i have several options: option1) file the SR1, don't even call the insurance company, pay out of pocket option2) file the SR1, tell insurance, get them to pay for some of the repairs, and i pay for the rest option3) file the SR1, tell insurance, have them pay for all of the repairs how would my future insurance premiums be affected in each situation? how would it affect my DMV record and points against my driving record? i'm guessing the insurance company will find out even if i don't call them directly because of the SR-1 i'm going to file. but if i don't make the insurance company pay, will they not hike up my premiums as much? any suggestions or knowledge about sr-1 and insurance? thanks!!


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first of all, yes, i am a bad driver and i'm really going to drive slow from now on. this is my 2nd car accident in 5 months. the first one was deemed 70% my fault(my car and another one involved, we went through insurance). in this most recent one, it was just my car and a wall initial repair estimate is about $2200. i'm going to file an sr-1. so it looks like i have several options: option1) file the SR1, don't even call the insurance company, pay out of pocket option2) file the SR1, tell insurance, get them to pay for some of the repairs, and i pay for the rest option3) file the SR1, tell insurance, have them pay for all of the repairs how would my future insurance premiums be affected in each situation? how would it affect my DMV record and points against my driving record? i'm guessing the insurance company will find out even if i don't call them directly because of the SR-1 i'm going to file. but if i don't make the insurance company pay, will they not hike up my premiums as much? any suggestions or knowledge about sr-1 and insurance? thanks!!


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Solo accident, going to file sr-1, repair estimate $2200. should i tell insurance? (2nd accident in 5 months)?
first of all, yes, i am a bad driver and i'm really going to drive slow from now on. this is my 2nd car accident in 5 months. the first one was deemed 70% my fault(my car and another one involved, we went through insurance). in this most recent one, it was just my car and a wall initial repair estimate is about $2200. i'm going to file an sr-1. so it looks like i have several options: option1) file the SR1, don't even call the insurance company, pay out of pocket option2) file the SR1, tell insurance, get them to pay for some of the repairs, and i pay for the rest option3) file the SR1, tell insurance, have them pay for all of the repairs how would my future insurance premiums be affected in each situation? how would it affect my DMV record and points against my driving record? i'm guessing the insurance company will find out even if i don't call them directly because of the SR-1 i'm going to file. but if i don't make the insurance company pay, will they not hike up my premiums as much? any suggestions or knowledge about sr-1 and insurance? thanks!!