Even if they arent on your MVR if an insurance company has paid anything out on them they will still count & the insurance company can probably see them in their system. But if you had a wreck that no insurance company knew about & no police showed up, then no you wouldnt have to tell them & they wont show up.
Withholding information is a form of insurance fraud and it's a morale hazard. Insurance companies do not like this....
There should be a drop down for NAF accident (Not at fault accident). Use that selection for the accidents that were not your fault. As for your violation, if it's not showing on your MVR because you completed the defensive driving course then don't list the citation. If you didn't complete the driving course then you do need to list the violation, unless it's a non-moving violation (i.e. parking ticket, etc.)
Don't try to defraud an insurance company to get a cheaper rate. You'll find yourself without insurance when you need it most
Yes you should never fail to disclose anything as it might come back to bite you should they be forced to pay out.
For a quote, these are good as they'll search a bunch of carriers who will be competing one another for price
http://www.quick-car-insurance-comparison.simplyinsurancequotes.com?ccg
it's free and quick to do, if it helps remember my points please :)
car-insurance.66ghz.com - check these plans. As I know their rates for bad driving record is not such expensive as from other companies.
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