How long can a Insurance company in the state of Tennessee look back on your driving record?

Question

I had a wreck two years ago this October, I was wondering how long an insurance company can look back on my record? Its been two years since I have had any wrecks or tickets but my rates are still high, I was thinking if I switch companies and didnt tell them about the wreck I would have a clean record?

Answer 1

edit

Answer 2

I was an insurance agent until I decided to get out of it because of all the dishonesty. A ticket can follow you for 3 years and an accident for 5. A DUI or related offense is 5 years as well. They now have a 'central bank' that will transfer your driving record by touching the enter key, it's that simple. The longer it's been on the wreck, the less they will punish you. (raise your rates) If you are thinking of switching companies, don't, stay with the one you have now until the wreck is off your record. Okay, another thing...if your wreck was a not-at-fault accident, meaning the other person caused the accident AND you didn't make a claim to your insurance company, (because he didn't have ins...etc) the accident will not raise your rates at all and it won't matter if you switch. I would call my agent and ask them. 1} when are the tickets falling off. 2} was the accident considered my fault and when it will be falling off. You should wait until your record is clean before switching companies. If you have something on your record and switch, the NEW company will probably have higher rates, due to you not getting the discounts your current company gives you. You get discounts for being a long term customer, good student, safe driving record, etc. Good Luck!

Answer 3

Typically it's three years for accidents and moving violations and five years for DUIs and license suspensions.

Failing to tell the insurance company about your accident and violation record is insurance fraud. It's a crime in all states and a felony in some. It won't do you any good anway as virtually all insurance companies participate in an information exchange database that contains this information. They'll verify your application against the database. If you lied about a material fact at the very least they'll refuse to issue a policy. If they want to get nasty about it, they'll press charges.

Should you get the policy and have an accident before they discover your subterfuge, they could deny any and all claims.

Answer 4

In NY they look back for a 40 month period (3yrs 4 mos) - I'd guess that it's somewhere in the neighborhood of about 3 years. Some insurance companies look back as far as 5 years. Whether or not you declare the loss in applying for insurance, they will probably find it via either your driving record or a c.l.u.e. report (Comprehensive Loss Underwriting Exchange <-- inter-insurance company reporting agency) and adjust your rates accordingly. It is best that you tell the company at the time of application as withholding information in favor of a lower rate is a form of insurance fraud.

Answer 5

If you don't answer all of their questions, you might get away with it. But if you get into an accident, or need your insurance for whatever reason, they can say you lied and deny you coverage. It isn't a good idea. They can look back more than two years, sadly.

Also, if you got a ticket, it is a matter of public record, and chances are they can find out relatively easily.

Answer 6

i live in Tennessee,,and i know they will go back 10 yrs sometimes,,but on most tickets they just hold them against you for 5 yrs,,and accidents,,wont count against you if they wasn't your fault,,if they was,,and there was a high amount of damages that they had to pay out,, they may hold them on there for a while,,and if you try and switch companies they,ll know it will still be there on your record,,good luck with it,,i hope this help,s.

Answer 7

They can look back til the day you were born
But they may not use the info they get unless it was in the last 5 years

Answer 8

geez - I try annoying to not choose, yet wow. Did you in addition to mght not have your license? So now your sister is finding at getting fined for not having a license or coverage? and you pled in charge as her? So she does not understand she has a courtroom date, and given your music checklist you will very probably fail to tell her approximately this courtroom date and then she might have a warrant out for her arrest. And nonetheless, nonetheless now once you have performed all of this to your sister your basically situation is your self. you won't be able to bypass to detention center through fact of YOUR concern. i think its extra suited to your sister to might desire to stand detention center precise? i don't even understand the form you may fix this, pleading in charge with the help of letter usually potential that the infraction is logged into some mysterious computing device equipment someplace it is administered with the help of courtroom workers. attempting to get them to make a transformation interior the computing device equipment extraordinarily plenty takes an act of congress. You have been needless to say hoping that she does not get a courtroom date and which you will in simple terms plead in charge pretending to be her and it could leave. i'm sorry yet you're fairly a bad guy or woman. i'm hoping your sister famous out with regard to the courtroom date and you get indicted for fraud and mendacity to a police officer. i'm hoping your sister records costs against you. i don't think of i might desire to ever record costs against my sister, yet my sister isn't the snake which you're.

Answer 9

at least 3 years