Car Total, No One Else Involved...Tell Insurance?

I was in an accident that totaled my vehicle. No one else was involved. How do I approach this with insurance? Will my liability rates go up if I tell them I was involved in an accident? I have an annual liability insurance policy that is paid in-full. Can I get a refund, or should I just take it as a loss so there isn't a gap in my insurance coverage?

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