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Although this coverage is not mandated by the state it is required by Farm Bureau insurance.



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Yes you need to declare all accidents that you're involved in regardless of who or what was at fault Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you're involved in while driving in the past 5 years.

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Call 15 991-5094 for life home car insurance and more Get a free quote from State Farm Agent Tina Hurst in Sycamore IL.

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If your insurance company doesn't have to give you any money for the claim your rate won't go up However if you have a history of at-fault accidents or other claims it's possible that your rate could increase following a no-fault crash.