Here in the states any accident with another party gets put into the public system. A one car accident can slip through the cracks and go unreported. Many (most?) insurance companies don't report. At least as of a few years ago this was the case. My business partner drove one of our company trucks into a tree.... then home. Had it towed to a shop and fixed and there was no trace on Carfax or any other public info sites. State Farm straight out told him they don't report to anyone. Again, this was 5+ years ago and things are always changing so who knows? But, Carfax and all these other things are not 100% by any stretch. If you read the fine print on the "Billion Dollar Guarantee" it only says it will report on information that is reported to a public database. Basically, the guarantee isn't worth the paper it's written on.