How long do auto accidents stay on my record in considering insurance rates

It's generally understood that an accident will stick around on a driver's record for a period of roughly three years. Each accident is different, so it's important to talk to your insurance company about your specific claim.

When determining rates or quotes, insurance companies will look at a number of factors to make a more accurate estimate. These factors include the severity of accident(s) in a driver's history, who was at fault in said accident(s), as well as how valuable the person is to the insurance company. Therefore, the more flawless a driver's record is, the higher the chance he/she will receive low rates.

In some cases, certain insurance companies will offer accident forgiveness to people who have clean driving records. An accident forgiveness policy guarantees that a driver can sustain one accident without suffering the typical repercussions that follow it. This includes an insurance rate hike. If your driving record is clean, accident forgiveness might be something worth looking into.