Affecting your auto insurance rates

Auto insurance rates

Motor accidents can stay on your record for between three and five years and affect your auto insurance rates as a result. While it’s easy to assume or suspect, checking the official records is the only way to know if your vehicle is still affected in this way.

But is it possible this period to be less than three or five years?

The short answer is yes, but every situation is different. In this article, we look at the question how long does an accident affect your auto insurance rates?

Read more: Vehicle registration renewal

This essentially means, you might downplay the significance of an accident and it’s also possible to forget about an incident when everything is done and dusted. However, after an insurance claim is settled and all necessary repairs are carried out, a car accident remains on the record and insurance companies check these records.

To put this another way, there’s really no way to avoid the facts - insurance rates are often dictated by your record and car accidents remain on this record for a set period.

How Long does a Car Accident Remain on the Record?

More than 200,000 car accidents are recorded in Florida every year. This means that 500 accidents happen every day and just as many people are probably wondering the same thing” How long will this accident remain on the record?”.

The length of time depends on different factors such as the seriousness of the violation, where you live or whether you were at fault for the accident.

Florida is a no-fault state which means that, in the event of an accident, your insurance premium should not be affected unless you were at fault and the insurance company was required to pay for damage related to a third party.

And that’s just part of the story...

Each insurance company has a different point system which dictates the extent of a vehicle insurance premium. Therefore people “shop around” for insurance policies and don’t expect any leniency just for staying with the same insurance company for several years - because insurance companies don’t care too much for loyalty!

Read more: Title transfer

Believe it or not, private investigators are often contracted by attorneys to investigate individuals and find out how many accidents in which a defendant has been involved. Now, that’s not to say you need to worry about this but rather to illustrate the transparency of vehicle records and how car accidents are always on the record.

Conclusion

As you can see, there’s no way to avoid certain things in life and this is one of them because accidents can (and do) affect your auto insurance rates. While the length of this record depends on certain factors, this period is most often between three and five years but the only way to know for sure is to check the official records.


Texas Driving Test Requirements

What Are the Driving Test Requirements for Texas?

Expired Vehicle Registration in Texas

Driving with Expired Registration in Texas

Driving in Texas as a Tourist

Can I Drive as a Tourist in Texas?

All Information About Driving Laws in Texas

Everything You Should Know About Texas Driving Laws

How to Register a Car Online in Texas

Can I Register a Car Online in Texas?

Texas Driving License Restrictions

Driver License Endorsements and Restrictions in Texas

Expired Registration in Pennsylvania

What Happens If You Drive with Expired Registration In PA?

Registration Violation in Pennsylvania

Is Expired Registration a Moving Violation In PA?

Late Registration Penalty in Pennsylvania

How Much Is the Penalty for Late Registration of Vehicles in PA?

Renew Expired Registration Pennsylvania

How Do I Renew My Expired Registration in PA?

Vehicle Registration Status Pennsylvania

How Do I Check the Status of My Vehicle Registration In PA?

Online Vehicle Registration Pennsylvania

Can I Register My Car Online In PA?

Driving History Records Florida

How to Request Driving History Records Online in Florida?

Enhanced Driving License

Enhanced Driver's License to Fly

Snowbirds Vehicle Registration Florida

Can Snowbirds Register a Car in Florida?

Online Driving License Florida

Can I Get a Florida Driver's License Online?

Late fee for license plate renewal

What is the penalty for late car license renewal?

Pulled Over Expired Tags

What Is a Vehicle Logbook?

All Information About Vehicle Logbook

What Happens if you Get Ticketed or Pulled Over with Expired Tags?

What If Car Insurance Expire

What Happens If a Car Insurance Is Expired?

What is the grace period for expired tags NC

Is there a grace period for expired tags in North Carolina?

Is Car Driving Easy in USA

Is Driving in America Difficult?

What is proof of ownership of a car

How to Proof Ownership of a Car?

Driving with Foreign License in US

How Long to Drive with a Foreign License in the US?

US Driving Tips for Foreigners

Helpful Driving Tips for Foreign Visitors

How To Remove A Lien From A Florida Vehicle Title?

How to Remove a Lien from a Florida Vehicle Title?

How to Replace a Lost Title in Florida

How to Replace a Lost Title in Florida?

How to Quickly Get a Duplicate Title in Florida

How to Quickly Get a Duplicate Title in Florida?

Florida best and worst driving cities

Moving to Florida? Best and worst cities for driving

Florida license plates, temporary tags, specialty and disposal

Requirements for Florida license plates, temporary tags, specialty and disposal

Florida expired tags penalty

Florida expired tags penalty

Get a Florida drivers license as a non resident

Get a Florida driver’s license as a non-resident

Find my title number without my registration

How to insure your vehicle without registration number?

Where is my vehicle registration Florida

How to find my vehicle registration?

Find a vehicle title Florida

What if you can’t find your vehicle title number?

Required documents to drive in Florida

Required documents to drive in Florida

Florida driving test

Florida driving test

Florida traffic laws

Florida traffic laws

Is it safe to drive in Florida

How safe is Florida for driving?

Expired tag and registration Florida

Is a criminal offense driving with expired tag and registration in Florida?

Insurance to register a car in Florida

Car registration insurance in Florida

Driving test moving to Florida

Retake driving test moving to Florida?

Tourist driving license Florida

Driver license in Florida as tourist

Florida marijuana traffic car laws

Marijuana traffic car laws in Florida

Driving tips to survive Florida heat

Tips for driving in the Florida heat

Vehicle registration during the pandemic

Vehicle registration in Florida during COVID-19

Grace period expired tags Florida

When does the grace period begin for expired tags in Florida?

Auto insurance rates

Affecting your auto insurance rates

Verify car title Florida

Check if car title is valid in Florida before you buy

Reckless driving Florida

Reckless driving - worst offense in Florida

Get a jeep title in Florida

How to Get A Title For A Jeep In Florida?

Drivers license Florida

Driver’s Licenses for Florida Teens: What Parents Should Know?

Bill of sale title transfer Florida

What is bill of sale title in Florida?

Car title transfer of a deceased person in Florida

Transfer a car title when someone passes away

Transfer drivers license to Florida

What’s the process to transfer driver’s license to Florida?

Florida DMV forms

Florida DMV forms – What is required?

How to renew your car registration in Florida

How to Renew Your Car Registration in Florida?

First time vehicle registration Florida

Florida State: First-time Vehicle Registration Requirements

Related Articles