When it comes to car insurance, your driving record plays a significant role in determining your premiums. But how long do accidents or tickets stay on your record, and what impact do they have on your insurance rates? Located in Indianapolis, IN, Irvington Insurance can help you navigate these issues and ensure you have the coverage you need to stay protected in the event of an accident.

Car Accidents and Your Driving Record

In most states, car accidents typically stay on your record for three to five years, depending on the severity and fault. If you’re found at fault for the accident, it can lead to an increase in your insurance premiums. Insurance companies see at-fault accidents as a risk, which can raise your rates during your policy renewal.

Traffic Tickets and Their Impact

The duration a ticket stays on your record depends on the type of violation and your state laws. Minor violations like speeding tickets may remain on your record for three to five years, while more severe offenses, such as DUI or reckless driving, can stay for much longer, up to 10 years or more.

How This Affects Your Car Insurance Rates

Having accidents or tickets on your record can result in higher premiums, as insurers view you as a higher risk. However, as time passes and these incidents age off your record, your rates may decrease.

Get the Auto Insurance Coverage You Need

It’s normal to be concerned about how a car accident or ticket could affect your driving record. To learn how to stay protected from auto accidents, contact Irvington Insurance in Indianapolis, IN.