Will a Motor Vehicle Accident Stay on My Insurance Record Forever in California?
If you were involved in a motor vehicle accident, you might want to know how long the record of the accident will affect your automobile insurance policy. Many insurance companies want individuals involved in motor vehicle accidents to pay higher premiums. It is beneficial to you if you can get the motor vehicle accident off of your insurance record as soon as possible. Contact Arash Law today if you need help with dealing with insurance companies after being involved in a motor vehicle accident.
Our legal team has decades of experience assisting clients with insurance-related problems after suffering an injury during a traffic collision. Insurance companies often raise automobile insurance premiums by adding a surcharge to the total policy cost. A surcharge will drop off of the policy, and then the higher cost will come down. This penalty is administered by the insurance company after any automobile collision.
Is the Record of a Motor Vehicle Accident Permanent?
A record of a motor vehicle collision may stay on a motor vehicle record for years. However, each state will impose different time limits related to how long a motor vehicle accident will stay on a driver’s motor vehicle record. Also, if any specific violations are associated with the accident, then the time limitation may be extended. The details regarding these time limits can be found by examining the California Department of Motor Vehicles web page.
The majority of accidents and violations that occur in California remind on a motor vehicle record for three years from the date of the incident. If you are convicted of a serious motor vehicle violation, such as driving while intoxicated, then the record of this conviction will stay on your motor vehicle record for ten years.
You may not have been responsible for causing the motor vehicle accident, but all motor vehicle accidents must be reported and filed on your motor vehicle record if property damage was more than $1,000. Also, the record of the accident will be stored on your motor vehicle record if anyone suffered bodily injury or died because of the accident.
How Long Will a Motor Vehicle Accident Remain on My Record?
Being involved in a motor vehicle accident, no matter how minor, is a frightening experience. A serious bodily injury suffered during a motor vehicle accident can cause psychological distress. Also, many motor vehicle accident victims experience financial loss as a result of their injuries. A driver who is a party to a motor vehicle accident will have their insurance premiums raised almost immediately.
These insurance premiums are raised because the insurance companies view the driver involved in a collision as a higher risk for future accidents. Only time will take away the record of these accidents. The specific state in which the accident occurred, and the particular violations involved in the accident, dictate how long a record of the accident will remain on a driver’s motor vehicle record.
States use different points systems to follow traffic violations and when they most often occur. If a driver commits a violation, then they will receive a specific number of points. States will suspend a driver’s privilege to drive if they accumulate too many points.
Different states will not keep all violations on all motor vehicle records for the same amount of time. California, for example, will keep a DUI conviction on a motor vehicle record for thirteen years, while Michigan will keep a DUI conviction on a motor vehicle record for two years. Resources on a state motor vehicle record website will provide individual drivers with the information they need to determine how long a particular violation will remain on a motor vehicle record in that particular state.
Insurance companies will allow accident forgiveness for a motor vehicle accident if it is the first time an individual driver has been involved in a motor vehicle collision. If you have specific questions regarding your motor vehicle record, contact Arash Law for assistance with your legal questions. A personal injury attorney at Arash Law can help you with your claims against a negligent driver.
Also, you can receive information regarding your accident history and how this information may affect your insurance premiums and your personal injury case. Arash Law has recovered over $200 million for clients throughout the state of California. Contact Arash Law today and learn how you can obtain the financial compensation you deserve. You do not have to suffer the consequences of a motor vehicle accident alone.
Will a Motor Vehicle Accident Always Affect My Automobile Insurance?
Automobile insurance companies often only examine the past two or three years of your driving history. You may reside in a state that keeps lifetime driving records, but you will not be penalized for prior accidents that are decades old. Many records of motor vehicle accidents and violations will not be relevant to your motor vehicle record after set periods of time, and insurance companies will not take into account old violations when calculating your insurance premium amount.
The majority of automobile insurance companies only factor in the past five years of your driving record. If you were involved in a motor vehicle accident six years ago, then your insurance premium will not be raised. Automobile insurance companies may examine records over a shorter period of time and factor all accidents that occurred within the past three years.
The insurance premium will drop if you maintain a stable record free of code violations and criminal convictions. The amount surcharged depends on the type of accident, the state in which you reside, and the particular insurance company writing the automobile insurance policy. Insurers are regulated by the states in which they operate. Different jurisdictions will enforce various regulations that limit how long an insurance company may consider an automobile accident when writing insurance policies.
An insurance company cannot violate these regulations when calculating premiums and writing automobile insurance policies. For instance, in the state of Massachusetts, an automobile insurance company may not include traffic violations or motor vehicle accidents that are more than six years old when calculating premiums and writing automobile insurance policies.
What Will Happen to My Automobile Insurance Rates If I Am in a Motor Vehicle Collision?
If you are involved in a motor vehicle collision, it is likely that your automobile insurance premium will increase. The surcharge may be applied after your insurance policy term ends or immediately after the motor vehicle accident. The majority of automobile insurance policies last for six-month or twelve-month terms. You are often given the opportunity to renew your automobile insurance policy once the term period concludes.
The renewal amount may change depending on the traffic violations and motor vehicle accidents on your motor vehicle record. If you were deemed to be responsible for a motor vehicle accident, then your automobile insurance may increase. If you have a claim filed against you by another driver, then your automobile insurance may be raised.
It is likely that your automobile insurance premium will increase if you are involved in any motor vehicle accident, even if you did nothing to cause the accident. Insurance rates may sometimes be raised by fifty percent. However, different insurance companies factor different elements into account when calculating rate increases. If you have maintained a clean driving record, you may only have your automobile insurance raised slightly.
What Can I Do to Lower My Automobile Insurance Rates Following a Motor Vehicle Accident?
You must drive in a safe and reasonable manner while maintaining a clean driving record if you want your insurance rates to decrease after being involved in a motor vehicle accident. If your automobile insurance rates have immediately risen, then you may need other solutions to lower your insurance premium.
One option you can pursue is to seek discounts and coupons offered by your current automobile insurance company. You should speak with a representative of the insurance company and ask for any deals or discounts that can lower your insurance premium. You can often find automobile insurance discounts related to:
- Coupling your automobile insurance and homeowners insurance together
- Discounts for students who maintain a specific GPA
- Only making automatic payments and going paperless
- Military and senior discounts
- Paying the full premium
Other automobile insurance companies may offer you lower rates for your automobile insurance. You may obtain comparable automobile insurance coverage for a lower amount. Some insurance companies may not surcharge you, and you can switch your automobile insurance carrier once your insurance enrollment period ends.
What Should I Know Regarding Accident Forgiveness?
Insurance companies may offer accident forgiveness as an additional benefit of an automobile insurance policy. Accident forgiveness is offered by insurance companies and will lock in rates that will not increase if you are involved in an at-fault motor vehicle collision.
Many automobile insurance companies offer accident forgiveness. The most popular insurance companies offering this benefit include:
- Liberty Mutual
Many automobile insurance companies want you to be free of all motor accidents for a specified amount of time to qualify for any benefits package that includes accident forgiveness. Many individuals who are more likely to be involved in motor vehicle accidents are least likely to qualify for accident forgiveness benefits.
Arash Law has experience representing clients involved in motor vehicle accidents. If you need to learn more about your automobile insurance rates, contact Arash Law today to discuss how you can get your automobile insurance rates lowered. We have decades of experience working with insurance companies. Contact Arash Law today to learn how we have helped clients throughout the state of California.
Will My Insurance Rates Increase After a Motor Vehicle Accident?
The amount you will see your insurance premium increase will vary depending on different factors. All insurance companies do not calculate risk using the same methods. The most relevant factors that will determine the amount of a rate increase include your current driving record, your age, your demographics, and the geographic location in which you live.
More experienced drivers with little to no motor vehicle accident history will see a lower rate increase than young drivers. Good driver discounts are offered by many insurance companies. Each insurance company will use different factors to determine if a driver is at risk of being involved in additional motor vehicle collisions.
Some automobile insurance companies will use different elements to determine if a driver can receive automobile insurance discounts or accident forgiveness benefits. If you were involved in a serious accident, then you will likely see a greater automobile insurance premium increase. However, if you were only involved in a minor traffic accident, then you should not see an extremely high premium increase. The amount of property damage involved in a motor vehicle accident will also affect your rate increase.
If automobiles are totaled during a traffic collision, you may be unable to stop your insurance premium from going up significantly.
What Are the Least Expensive Automobile Insurance Companies for Drivers Who Have Been in Motor Vehicle Accidents?
You can determine how much you pay for automobile insurance by examining the marketplace and seeing which insurance companies offer the best automobile insurance rates. The following insurance companies offer the lowest premium for drivers who have been involved in motor vehicle accidents.
- Travelers – $179
- Clearcover – $152
- Farmers – $146
- Amigo USA – $121
- Metromile – $112
When Must a Motor Vehicle Accident Be Reported?
A Department of Motor Vehicles report must be filed after a motor vehicle accident, no matter which party is determined to be at fault. Property damage limits determine which motor vehicle accidents require reporting. In the state of New York, every driver who is involved in a motor vehicle collision that creates at least $1,000 in property damage must file a Civilian Accident Report with the Department of Motor Vehicles.
If an individual suffered injuries during the motor vehicle accident, then a party has only ten days from the incident date to report the accident to the Department of Motor Vehicles. When an individual dies during a motor vehicle collision, the death must be reported to the Department of Motor Vehicles no matter if you reside in the state in which the motor vehicle accident occurred.
Most states also require that law enforcement agencies assist with the reporting. Police officers are required to file a traffic collision report with the Department of Motor Vehicles. If the police cannot create or file a report, then you will often be required to file a report with the Department of Motor Vehicles.
The traffic collision may not require emergency responders, and if this is the case, then the Department of Motor Vehicles is generally not automatically notified of the traffic incident. Having a police report, however, will prove beneficial when attempting to make a claim. Traffic collision reports created by police officers contain detailed information about the accident and its likely cause.
Contact Arash Law today at (888) 488-1391 to schedule a free consultation during which we can discuss the facts of your case. The legal team at Arash Law has decades of experience assisting accident victims throughout the state of California. We have recovered over $200 million for clients in San Francisco, Riverside, Sacramento, San Jose, Los Angeles, San Diego, Sherman Oaks, and other cities.