How Long Does An Accident Stay On Your Record?
There are a variety of factors affecting how much you pay on your auto insurance premium. The most influencing factors on your premium are traffic tickets and accidents. Yes, tickets and accidents cause your auto insurance premium to skyrocket, but for how long? Many motorists are unaware of how long their tickets and accidents will stay on their record. Likewise, many motorists wrongly assume that there is no way to clean up their record.
Yes, your rate will increase if you are at fault for an auto accident or if you receive a traffic ticket. Eventually, these items will be removed from your record, and your auto insurance premium will begin to return to normalcy. However, this takes three years from the issue date of your auto accident or ticket.
Did you know that there is an alternative to paying the escalated auto insurance premium? Many motorists fail to take advantage of defensive driving courses;
if you take one of these safety driving courses, many courts will remove the ticket from your record. Your eligibility will be directly dependent on your past record and the court’s final decision.
If you find out that you are not eligible to remove the ticket from your record with a defensive driving course, you still have alternative options. There are a variety of discounts available to you, including the multi-policy discount. You can also raise your deductible for a temporary period of time. You will be required to pay more out of pocket if you are in an accident, but you will be paying a lower monthly rate.
If you have any remaining questions, do not hesitate to contact the insurance experts at Stromsoe Insurance Agency. Your interests and goals are our main priority, and that is why we offer you the opportunity to find out how to keep your rates manageable even after an accident. Schedule a free review with us today!