You're forced to mention any car accident you've had to your insurers, even if you didn't claim for it. (At least, this is true in UK, not sure about US.)
Its a public record in the US iirc so there isn't a "need" to mention it as the insurance company can look it up. They can also do so with various tickets/violations. [e.g. moving violations]
You're forced to mention any car accident you've had to your insurers, even if you didn't claim for it. (At least, this is true in UK, not sure about US.)