Car accident, driving record & Insurance?

 

 

If car accident happended and insurance covered the damage, but at-fault violation is kept off the driving record with help of being first offender, then will it still affect car insurance rate even if switching previous insurance company to other? Do insurance companies share their custmer drivers' information?

 

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SOURCE: http://www.insurelabs.com/forums/topic/car-accident-driving-record-insurance/