How Long Do Accidents Stay on Your Record?

Your driving history can affect your insurance rates, particularly if you’ve been involved in an accident. Here’s what you need to know about accident records and how they may impact your auto insurance.

How Does an Accident Reflect on Your Record?

Most accidents and traffic violations are recorded by your local Department of Motor Vehicles (DMV). Typically, an accident will stay on your driving record for three years from the date of the incident. However, more serious violations, such as DUIs or reckless driving, can remain on your record for up to 11 years.

How Your Accident Record Can Affect Auto Insurance

Insurance companies review your driving record when determining your rates. If you’ve been involved in an accident, you may see an increase in your premiums. The impact often depends on:

• The severity of the accident
• Who was at fault
• Your previous driving history
• The number of claims you’ve previously made

Some insurers offer accident forgiveness programs, which may prevent your first at-fault accident from affecting your rates. It’s important to ask your broker about these options if you’re concerned about your insurance costs.

Steps to Minimize the Impact of an Accident

If you’ve had an accident, there are steps you can take to reduce its effect on your record and insurance:

• Drive safely and avoid further violations.
• Take a state-approved defensive driving course.
• Ask about accident forgiveness or discounts for safe driving.

Why Should You Work With ABC Latinos Insurance & Multiservices?

Contact us today if you have questions about your driving record or want to explore ways to lower your insurance rates after an accident. We’re committed to helping you navigate your insurance options, even if you don’t have a spotless driving record.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.