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Sorry if it's been said already, as I've just quickly skimmed through the thread. But from my understanding, you've been in one accident recently before.
I might be wrong, as I'm not 100% sure, I'm going off of personal experience, but if your first accident went unreported, or was not deemed at fault. You may be able to call your insurance and inquire about "Accident Forgiveness". My insurance company had it and basically, if you get in to an accident and are deemed at fault, from my understanding, they will acknowledge it, but with accident forgiveness, your insurance will not go up.
Now, that being said, the accident is still on your record, and remains there for 3 years, so if you get in to another at fault accident within 3 years, you're pretty fucked.
I was deemed at fault in my accident, age 21. They hit me with Careless iirc. I went to traffic court, got it knocked down to 2 or 3 points and a big fine, and then called my insurance for accident forgiveness
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