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How Car Accidents Affect your Driving Record and Insurance Premiums

​Who wants to remember the unpleasant experience of getting into an accident? No one! But auto insurers still keep track long after fixing your car. For how long, you might ask? That varies according to several factors like the severity of the accident and the history or your violations.

How Car Accidents Affect your Driving Record and Insurance Premiums

Your Driving Record

How long will an accident stay on your driving record? Whoever is at fault, the length of time for your records to clear up varies per state or violation.

In Florida, accidents may stay on your record for 3 to 5 years if a citation occurred. But, violations that are more serious may stay longer. Meanwhile, incidents related to alcohol may stain your record for up to 75 years. So you should think twice about drunk driving. Not only will it affect your record, but your insurance rates as well.

Insurance Premiums after an Accident

As long as you weren’t driving drunk, you can still save on auto insurance premiums in the coming years.  When your driving record clears up, it will no longer affect auto insurance premiums. How long insurers would dig into your record depends on the company and the regulations.  So, better check with our agent.

Your premiums may be high after an accident for 3 to 5 years depending on certain circumstances. But accident surcharges may decrease when you remain accident-free for at least a year.

We know that every penny counts. Here at SunGate Insurance Agency, we consider several factors for calculating insurance rates. Regardless of your driving history, we ensure that you’ll be getting the best value for your money. So talk to our agents and find out how much you can save by getting an online quote or feel free to call us anytime at (407) 878-7979. We’ll be glad to help!


Contact SunGate Insurance Agency today learn more about the type of insurance you need. Click here to contact us or call (407) 878-7979.

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