Because someone mentioned it just an FYI its not law that you have to report an accident to your insurance company. I went threw this when I got in a fender bender. Granted it wasnt my fault but I asked them if I was legally obligated and they said "No legally your not but we as a company frown upon it and its a good idea to report it, especially if your not at fault"

well, so far high point is 1000 cheaper than liberty mutual for the whole family, so ill save a couple hundred bucks. still getting quotes though

Try State Farm like I said earlier, they've been really good to me.