Have you been involved in a crash? Regardless of who was at fault, you might have asked yourself the question, how long does a car accident stay on your record? If you are worried about how a car accident might affect your insurance rates or driving privileges in your state, this article helps answer these and more questions.
If you have been injured through no fault of your own, contact Ponton Law. An expert car accident attorney can help you seek compensation for all your injury-related losses.
Car Accident Cases and Insurance
Before offering you a quote, insurance companies will usually look at your driving record. A car accident, regardless of fault, can affect your insurance rates for up to three years. This is also the amount of time a car accident typically remains on your record.
Over these three years, your insurance rates may increase, which is called a surcharge. This is especially the case if your insurer covered your damages, including medical bills and property damage.
If you have a car accident on your driving record, it is advisable to avoid additional cases for the next six years. This will ensure your rates return to normal and your record is erased after the three years.
Can You Get the Record Removed?
As mentioned, a car accident will remain on your record for three years. You generally cannot get this removed from your record until this time has expired. However, some insurance companies can reduce your surcharge depending on your driving record. A driver with a history of safe driving is likely to receive a lesser rate increase.
You can also escape a surcharge if the accident you were involved in was minor. Major accidents, on the other hand, receive higher spikes and could stay on your record longer.
Speeding Ticket Vs. Car Accident
There is a distinct difference between a car accident record and a speeding ticket or DUI. A car accident is usually added to your driving record, regardless of who was at fault. A DUI or speeding ticket, on the other hand, is only added to your record if you are the offender.
The duration a DUI or speeding ticket will remain on your record tends to vary from state to state. A speeding ticket could stay on your record for three years. Even if you pay the fines, major violations like a DUI or hit and run can affect you for as long as 10 years.
Talk to an Atlanta, GA Car Accident Attorney
How long does a car accident stay on your record? The most accurate answer is three years, regardless of who was at fault for the accident. However, it is important to note that this answer does not cover DUIs and speeding tickets, which could last longer on your record.
Ponton Law is passionate about protecting the rights of personal injury victims. We have recovered millions of dollars in settlement for our clients over the last five years. If you have been injured in a car accident through no fault of your own, contact us at 404-860-2454 to talk to a car accident attorney.