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  1. No.
    Insurance companies report to a database shared by them. They do not report to law enforcement.
    Your DMV driving record and your CLUE report (this is the insurance database) are separate.
    I would be pretty shocked if your employer were to check CLUE, and even more so if they were to hold a minor at fault accident against you.

  2. yes anything and everything you do is reported to the dmv. even a cell phone ticket is reported to dmv.. but it doesnt raise ur points