I HAD AN ACCIDENT 3 YEARS AGO AND WAS TOLD THAT AFTER 3 YEARS IT SHOULD COME OFF MY RECORD AS FAR AS GETTING A NEW INSURANCE POLICY. I HAVE BEEN LOOKING AT QOUTES (I PAY WAY TOO MUCH RIGHT NOW), AND THEY ASK IF THERE HAS BEEN AN ACCIDENT IN THE LAST 5 YEARS....PLEASE HELP!
2006-12-19 15:17:54 · 20 answers · asked by Armando R 1 in Cars & Transportation ➔ Insurance & Registration
Insurance companies are permitted to set their own guidelines. Some will give claims-free discount after 3 years, some after 5. Some may even give a small discount after 3, and full discount after 5. Even those that give the discount for 3 years are entitled to the information, and you have to give it as a matter of disclosure or your policy can be voided if it comes up later.
2006-12-23 09:32:53 · answer #1 · answered by Fred C 7 · 0⤊ 0⤋
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2016-04-28 21:37:52 · answer #2 · answered by See 3 · 0⤊ 0⤋
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2016-08-30 09:55:42 · answer #3 · answered by Margaret 3 · 0⤊ 0⤋
It will stay forever. It doesn't just automatically vanish after a certain time period. The real question is, how long will the insurance company look at it, and the answer is it depends on their policy. They CAN look for 7 or 10 years if they want. The clue is in their question "Has there been an accident in the last 5 years?" Sounds like your insurance policy looks at 5 years.
2006-12-19 18:26:13 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
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2016-12-22 23:43:47 · answer #5 · answered by Anonymous · 0⤊ 0⤋
They may ask about the past 5 years, but only rate you as a high risk if it's been less than 3. It's always on your record, but the question is whethe company insuring you wants to rate you based on the past 3 or the past 5 years.
2006-12-21 10:04:57 · answer #6 · answered by Chris 5 · 0⤊ 0⤋
It stays in your records forever!!! I am not kidding. When I have my car accident the second time just last year, the police officer check my record and see that I used to have one before 7 years ago.
It is really suck. All freaking policy bastards want to keep file of every citizens.
2006-12-19 15:22:02 · answer #7 · answered by kgs s 1 · 1⤊ 1⤋
about 7 years
2006-12-21 11:46:48 · answer #8 · answered by jerry 7 · 0⤊ 1⤋
In my state, it's 5 years before the insurance company will reduce your rates. Some types of infractions stay for 7 years.
2006-12-19 15:27:16 · answer #9 · answered by Pythonette 3 · 0⤊ 0⤋
in most states the limit is three years but some states may vary in the time limit also if you was sued due to the accident the time limit might be longer. u check at your court house and they will be able to tell u. also the insurance company should be able to tell u why they are asking for 5 years next time u get a quote ask them.
2006-12-19 15:23:35 · answer #10 · answered by Anonymous · 0⤊ 0⤋