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How Long Do Car Accidents Stay on Insurance

Car accidents are inevitable. We all know this. But what we may not realize is that car accidents can stay on a driver’s record for years. In some cases, they can even stay on your record for life. This is because car accidents are considered “domestic violence” under many states’ laws. This means that even if the accident never reaches the courts, it can still have long-term consequences for you and your driving record. To minimize the chances of any negative consequences from an accident, it is important to understand how long car accidents stay on insurance and what you can do to take corrective action should something go wrong. ###

How long does a car accident stay on insurance?

There is no definitive answer to this question since it varies depending on the circumstances surrounding the accident. In general, however, car accidents that result in minor injuries or property damage typically only stay on an insurance policy for a short period of time. More serious accidents, on the other hand, can remain on an insurance policy for longer periods of time.

Factors that affect how long an accident will stay on your policy

There are a few factors that can affect how long an accident will stay on your policy.
Most accidents will be deleted from your policy after 30 days, unless there is an extenuating circumstance.
If the accident was due to another driver’s negligence, it may stay on your policy for up to 6 months.

How to get an accident removed from your policy

If you have been in an accident, the insurance company will want to know about it as soon as possible. The sooner they are aware of the accident, the less money they will have to pay out on your behalf.

You should call your insurance company as soon after the accident as possible and provide them with all of the information they request. This includes your name, driver’s license number, vehicle make and model, and license plate number. You may also be asked to take a written statement from any witnesses to the accident.

Your insurance company may ask you to provide photographs or videos of the scene of the accident. If you’re unable to do so, they may ask for a crash report from your car’s manufacturer.

Your insurance company will need plenty of information in order to accurately assess what happened in the accident and calculate your policy limits. Keep all paperwork related to the accident until your insurer asks for it back – it could help avoid any delays or misunderstandings during claim processing.


After a car accident, it is important to understand the length of time your insurance company will consider the event to be valid. In general, most insurance companies accept accidents that occur up to 3 years after the date of the accident. However, please bear in mind that each company has its own set of rules and regulations, so you should always contact your insurer for specific information about your policy.

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