Car accidents and your driving record—here’s what you need to know.
If you’ve been in a car accident, then your car insurance rates have probably gone up as a result. Many drivers are worried about this increase and want to know how long an accident will continue to affect their auto insurance in Astoria, New York. Here’s what you need to know about car accidents remaining on your driving record.
- The Relationship Between Your Driving Record and Insurance Rates
First, you need to understand how your driving record impacts the cost of your auto insurance. When determining your rates, a car insurance provider will look at your driving record to determine how risky of a driver you are. If your record documents at-fault accidents and moving violations, then the insurer will categorize you as a risky driver. This, in turn, means that they will charge you more for coverage.
- How Long Do Car Accidents Remain on Your Record?
Typically, you can expect a car accident to remain on your record for at least three years. However, what happens next is dependent on your actions. If you are able to avoid additional accidents, moving violations, and other issues in the years following the initial accident, then there’s a good chance that the accident will be removed from your record. Once the accident is removed, you will once again enjoy lower rates on your auto insurance.
However, if you get into another accident or file another claim within three years of the initial accident, then both issues will remain on your record. In fact, an accident can stay on your record for up to six years if you repeatedly prove yourself to be an irresponsible driver.
Ultimately, there’s not a lot you can do to get a car accident off your record in less than three years. However, driving safely and cautiously will ensure that the accident is forgiven after the minimum three years.
This is what you need to know about car accidents and your driving record. Do you have further questions about your auto insurance in Astoria, New York? If so, then contact the experts at 01 Insurance. We are ready to assist you with all your car coverage needs today.