I have gotten into two rear end at fault accidents, but through some dumb luck, have never got a ticket written. They were both reported to my parent's insurance company though. btw, this was in new jersey, and i go to school in gainesville now. If i bought and insured a car in gainesville, with a florida lisence, no tickets, no points, what are the odds the insurance company will find out i got into two accidents? They were in my parents cars, and i was just on their insurance as a lisenced driver living in their house. Just curious, because i got quoted for a new mazda6 at 4k a year (full coverage) in gainesville. I don't even want to think about how much it would cost in NJ.