We are not required to report anything. not even insurance companies.
Like stated my Charger was hit 4 or 5 times where it was fixed with someone else's insurance covering the bill. It come back clean .
I rebuilt totasl for 8 years for a while you could clean up a title if you knew the loop hole. They closed it. We would always take before pics. and make the buyer sign the back of the pics. when we sold a total we repaired. That way down the road there would never be any they didn't tell me it was wrecked before.