How Long Do Car Accidents Stay on Your Record?
Car accidents can stay on your DMV and insurance records for several years. The exact number will depend on the state regulations.
Whether you’re at fault or not, your auto accident is reported to the Department of Motor Vehicles (DMV) in your state and becomes a part of your driving record.
The length of time it remains can be anywhere from three to five years or more. For example, in California, accidents remain on your record for three years, whereas in Oregon, it’s at least five years.
The severity of an accident can also influence how long the DMV records it. Serious offenses like reckless driving or DUI can stay on a DMV record for 10 years or more.
Your insurance record will follow a different timeline than the DMV. Insurance companies can review your driving history over the past three to seven years. The actual time will depend on the severity and the insurer’s policies.
At-fault accidents will stay on your insurance records longer than not-at-fault accidents. You’ll want to keep your insurance records as clear as possible by avoiding adding more accidents to your record, as this can lengthen how long they’ll appear on your driving record.
Accidents in your driving history can cause insurance premiums to increase by as much as 50% depending on the insurer.