fresh driver's problem

Yes.  Most insurance cnopamies use similar verbage on their application documents which ask for you to list all accidents and citations you have received.  At fault accidents and citations remain chargeable for up to 3 years from the date of their occurrence; however, on one of your previous questions, you indicated that you are attending school in PA and may claim CA residency.  My advice is to try and maintain your CA policy unless the rates in PA are substantially better.  Also, if you don't reveal the accidents to your new carrier, they will find out anyway because your CA insurance company paid for them.  Almost all insurance carriers are members of CLUE (Comprehensive Loss Underwriting Exchange).  This is like a credit report for your vehicle and driver's license that will pull up any and all losses that were reported to an insurance company and will indicate chargeablilty and amounts paid on claims.  If you new insurance carrier believes that you are guilty of gross misrepresentation, they may cancel your policy short term or even rescind it if they can show that your driving record would not meet their underwriting guidelines.

Most of the time, yes they will find those prior claims.Many isrnnauce companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an isrnnauce company.Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.