Insurance and Police Reports?

If you get into an catastrophe and have a police report done, but neither gathering files claims with their insurance company does any party own to worry almost their rates going up?

New York State

Answers:    it depends. your rates wont go up due to a claim if you dont record one. BUT was anyone cited at the disaster? if you were given a citation, your rates will move about up due to points from the citation.
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