Do i have to tell a car insurance company about an accident that is not on my record when purchasing?

This accident IS on your record - your insurance record. You must report this to any insurance company you are applying to. No police report means nothing.

just because you didn't report the accident to the police, does not mean the same thing as it being reported with the insurance company. so long as the car exists (whether owned by you or not) whenever someone puts the VIN into the system, any and all vehicular accidents, maintenance (if done by a dealership) is on record. Therefore when you switch insurance companies, and the put in your VIN, then the accident will come up.

there is no such thing as an"official record" so get over that nonsense. Anytime you make a claim iven if there was no damage it is in the insurance company data base. The insurance companies have billions of dollars. And the black computer as I call it has every thing you ever claimed to any insurance company. Many years ago the insurance companies cooperated and built a huge data base to help combat fraud by compiling every accident or homoowners claim or anything else in one central computer. As a general rule what is on your driving record is what they use. Since we have to notify dmv of any accident or risk losing our license any accident you have in the last three years is on your driving record.

so stop trying to be mr slick because you are way far behind a billion dollar company. tell the truth your bill could go up next policy period because of that. you never know.