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Can you make a 'secret' car insurance claim?

Have you ever gotten into a car accident and dreaded the thought of having to tell someone -such as your spouse or your parents?

Consider the wife who inadvertently backs into her husband's car. Can she file an auto insurance claim without him knowing?

Or what about the teenager who dents the family vehicle? Can he make a claim without Dad finding out?

Frankly, we've all made mistakes and done things we wish we could

For those of you in a rush to hop in your car and get somewhere, Insurance companies don't take a vow of secrecy

To find out just how "secret" claims can be, we turned to a

John "Jack" Murphy Jr. is president of J. Murphy &

"However, it would be very difficult for you to make a secret

For starters, after an accident, typically contact the primary person whose name is on the policy

Even if you are listed as an approved driver on the policy, making a plea to an auto insurance representative--something along

"There's no vow of secrecy with insurers," says Murphy. "This

But let's assume that car insurers don't call Mom, Dad or Hubby How devious are you prepared to be?

The U.S. Postal Service presents another set of new worries for

Gary Buchanan is vice president in the New York office at

"If it was a spouse and she handled the checkbook and the mail, Forging signatures or hiring an impostor

Speaking of checks, remember that you might have to write one to

Then there's the check the auto insurance company sends to pay

"The check is made payable to the dealership or repair company

So deception could involve having to sign someone else's name -

According to Buchanan, "Almost all car insurance companies send The dead giveaway: an accident surcharge

Let's assume you manage to keep the accident and car claim under wraps.

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