I always thought that accidents were reported to CARFAX from the law enforcement agencies. That explains why two separate accidents for my wife's 300SD which were reported to the police do not appear on the CARFAX for that car.

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Tom Evans
69 280SE 91K (wish I still had it)
73 220D 98K
78 300D 134K
78 300D 185K
81 300SD 301K (still have)
82 300SD 321K (still have)
84 300D 268K
84 6.2 Diesel GMC Suburban 225K (a whole different story!)