Even after you became involved in the minor accident with insignificant material consequences and the absence of consequences for your health and other road users, anyway then you may find out car insurance began to require significantly higher costs. Such incident impacts a few years on the cost of insurance for you. Why is this happening and what can be done about it? To understand this, let us first consider what features influence on the automobile insurance cost and for how long accident stays on your car insurance?
The insurance price is significantly affected by the accident severity you took part. Auto insurance plan which were selected, as well as your life conditions. Each incident in a traffic accident is recorded in the federal DMV system, which is in every US state. Regardless of how guilty or innocent you are in a specific incident, the accident record, along with other basic data about your car, goes to the state DMV. This entry for up to three to five years will affect the cost of car insurance. Duration of the effect of such a record will be determined by your auto insurance policy type, the accident kind that you have participated and the conditions of your life.
The accidents that occurred through your fault
Definitely insurance cost will be higher if the occurred accident was committed due to your guilt. However, in many cases the cost is differentiated relying on the accident conditions and also of the involvement of others. Various accidents may be reviewed differently by the insurer, depending on the company you have selected earlier. Some insurers make no difference in whether only your car has suffered because of a collision with a tree or due to fly away in a ditch, or if your car has collided with another car. Therefore, when you work such an insurer, then you must pay more expensive policy, even if you just crumpled your car’s wing against the stump in the forest, when you went on a country picnic.
If there is someone else who drive your car besides you, this factor also will affect oh How Long Accident Stays On Car Insurance. In this case, you must be accountable for your car and for other people driving it. A significant influence on your automobile insurance expenses will have a re-hit in a traffic accident over the past 6 years.
In case if you make for the first time a road accident, then this situation may not significantly affect the price of the policy for you. Slightly stronger cost will increase, if such an incident is not the first for you, but one over the past 6 years. In the case when such an incident is not the first in a six-year period, then the difference in the insurance costs will be large, which is unlikely to please somebody.
Incidents without your fault
When the traffic incident did not happen because of your fault, then you may not consider such a case as a reason to increase the cost of policy for you. However not all insurers will consider the same events in the same manner. Many of them view any of participation of the every insured in a traffic accident as a reason to increase the policy price for them. In most of the cases, such insurers assume that particular insured not enough careful and attentive while driving. Most often in such incidents it is possible to avoid a collision or in any other way prevent your participation in a traffic collision. That is believed that insured is a careless driver. But it is not obligatory that the fact with all companies, as well as not in all cases. Also, when you participate in an accident by not your blame the circs in which you live will affect the auto policy pricing for you.
Traffic accidents leading to injuries
When the road incident that you made caused health damage, especially those brought to other road users or more than $ 2,000 of damage, then you can count on a significant and sharp increase in the insurance policy price for you. At the same time, if either your traumas and injuries of other party in the accident are minor and do not require the care of a doctor or other medical assistance, then you have the possibility not to call an ambulance or report such injuries to the company of the insurer.
If were alcohol intoxication
If you have alcohol or other drugs in your blood, at the time of the accident, one of the most serious causes of problems with insurance. The cost of insurance will be greatly increased and can not count on relief after three years, as in some other cases. Records of this in DUI can be kept for a very long time, up to a lifetime. The minimum shelf life of such a record is 10 years, so you should think three times before you get behind the wheel drunk.
What to do after?
If you have a car accident, this will undoubtedly affect the cost of car insurance for you in the future, but do not despair. Depending of the US state, your living conditions and the insurance plan, in three to five years the record will be removed from the DUI, of course, if you were not under the influence of alcohol when driving at the time of the accident. This will affect on How Long Accident Stays On Car Insurance. Be careful driving. Do not drink alcohol and drive carefully and this will allow you to protect yourself from getting into traffic accidents. Thus receive a minimum cost of car insurance in the future.