How Long Do Accidents Stay on Your Driving Record?
Getting into a car accident is stressful, and one of the first questions many people ask is: how long will this stay on my driving record? The answer isn't simple, as it varies significantly depending on several factors, including the severity of the accident, your location, and your insurance company.
This guide will delve into the complexities of accident reporting and how long the impact lasts on your driving record and insurance premiums.
Understanding Driving Records and Reporting
Your driving record, often called a motor vehicle report (MVR), is a compilation of your driving history. It's maintained by your state's Department of Motor Vehicles (DMV) or equivalent agency. This record includes information such as:
- Accidents: Date, location, severity, and your level of fault.
- Tickets and Citations: Speeding tickets, reckless driving, and other infractions.
- Suspensions and Revocations: Periods where your driving privileges were suspended or revoked.
- Points: Some states assign points to violations; accumulating too many points can lead to license suspension.
What is reported? Not all accidents are automatically reported to the DMV. Generally, accidents resulting in injuries, fatalities, or significant property damage (exceeding a certain dollar amount) are mandatory reportable. Less severe accidents might only be reported if a police officer is involved or if insurance companies file a claim.
How Long Accidents Stay on Your Record: A State-by-State Overview
There's no single answer to how long an accident stays on your record. Each state has its own regulations. Some states have specific timeframes (e.g., three years, five years, or seven years), while others may keep the information indefinitely. You need to check your state's DMV website for precise details.
Points to Consider:
- Severity of the Accident: More severe accidents with injuries or fatalities tend to remain on your record longer.
- Fault Determination: If you were deemed at fault, the accident will likely stay on your record longer than if you were not at fault.
- Insurance Company Records: Even if the accident is removed from your DMV record, your insurance company may keep a record of it for a longer duration, impacting your premiums.
Impact on Insurance Premiums
Even after the accident is removed from your DMV record, it can significantly affect your car insurance rates for several years. Insurance companies use a variety of factors to assess risk, and accident history is a major one. Your premiums are likely to increase after an accident, and the increase can last for three to five years or even longer, depending on your insurer and the severity of the accident.
Protecting Yourself After an Accident
After any car accident, it’s crucial to take these steps:
- Call the Police: Even for minor accidents, report it to the police to create an official record.
- Exchange Information: Get the other driver's contact information, insurance details, and license plate number.
- Take Pictures: Document the damage to both vehicles and the accident scene.
- Seek Medical Attention: Get checked by a doctor, even if you feel fine. Delayed injuries can impact your claim.
- Contact Your Insurance Company: Report the accident promptly to your insurer.
In short: The duration an accident remains on your driving record varies greatly. Consult your state's DMV website or contact them directly for the most accurate and up-to-date information. Being proactive and documenting the accident properly can help mitigate its long-term effects on your driving record and insurance premiums.
