Does simply reporting an accident to your carrier result in a 'strike' on your insurance record?

Probably not, particularly if your carrier doesn't pay anything out on the claim.

Each carrier is different, however, and while you might not expect a rate increase from this accident, you might coincidentally be up for a rate revision, anyway. If that occurs, call your carrier and make sure it's just a revision and not related to this loss.

It's possible, too, that after reporting this loss, you may have given your carrier additional information that could affect your rates (change of address, use of your car, etc.), but those changes would be minor.