How Long Does An Accident Stay On Your Record?

How Long Does An Accident Stay On Your Record?

Accidents, whether minor or major, can have a serious impact on your driving record. The length of time an accident stays on your record depends on a few factors and there are steps you can take to help lessen the impact of a car accident.

Insurance Impact
When an accident occurs, it is reported to your insurance company. The insurance company keeps an accident on file for up to three years. The company will also look at the severity of the accident when determining your premiums. After three years, the insurance company may drop the accident from your record, or they may consider it in the rating process.

Driving Record
Your driving record also keeps a record of any accidents you are involved in. Depending on the state, a car accident can remain on your driving record for up to five years. Again, the severity of the accident will determine how much impact it has on your driving record.

Time Limit
The amount of time an accident remains on your record varies depending on the state and insurance company. Some states may keep an accident on your driving record for up to ten years. It is important to contact your insurance company or state DMV for a clear understanding of how long an accident can remain on your record.

Take Action
You may be able to take steps to reduce the impact of an accident on your record. If the accident was minor, you may be able to attend a driver improvement program. This may help reduce the length of time an accident stays on your record.

Clean Driving Record
If you have a clean driving record, the impact of an accident may be lessened. Many insurance companies may be more willing to overlook an accident if your driving record has few points or violations.

Monitoring
It is important to monitor your driving record. You may be able to contact the DMV or your insurance company to find out if an accident is still on your record. By monitoring your driving record, you can make sure that an accident does not remain on your record for longer than specified.

Contesting
If an accident does remain on your record for longer than specified, you may be able to contest it. Contact the DMV or your insurance provider to find out your options for contesting the accuracy or length of time an accident remains on your record.

Conclusion
Accidents can remain on your insurance and driving record for up to five years. However, the amount of time an accident remains on your record may vary depending on the severity of the accident and the state in which you live. There are steps you can take to lessen the impact of an accident, such as taking a driver improvement class or contesting the accuracy of the accident. Monitoring your driving record can help you determine if and when an accident has been removed.

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