Law

How Long Will a Car Accident Stay on Your Insurance Record? 

A car accident can take a significant toll on anyone – emotionally and physically. One has to deal with a lot after the accident, too – like medical bills, police reports, settlements, lawsuits, and whatnot. Car accidents are stressful enough, but on top of all this, you may also be concerned about whether this will be marked on your driving record. And if so, for how long? 

If you have been in a car accident and have gotten injured in Ohio, do not hesitate to talk to an experienced car accident lawyer today. 

How long do car accidents stay on your record? 

Generally, car accidents stay on your insurance record for about 3 to 5 years. Even if you cause an accident, it will not remain on your driving record forever. Moreover, many states in the United States have banned the practice of increasing car insurance premiums for drivers who were not held responsible for the car accident they were involved in. 

How can a car accident affect your car insurance rates? 

When it comes to car accidents, multiple factors can affect your insurance rates: 

  • The severity of the accident 
  • Who was at fault 
  • What kind of traffic violation you were charged with if any 
  • Age 
  • Previous driving record 
  • Location or where you live 
  • Your insurance provider 

Have you been involved in a car accident?  

If you have been involved in a car accident, one of the best things you can do for yourself is to talk to an attorney as soon as possible. An experienced car accident lawyer can help you in any step of the process. 

How can an attorney help you? 

An experienced car accident attorney can be a massive help for you. An attorney can: 

  • Talk to the other driver’s insurer 

Your lawyer is the one who starts the line of communication with the other party’s insurance adjuster. It is essential to keep a good relationship with the adjuster. 

  • Obtain evidence of liability 

Your lawyer will help gather all the evidence you may need to prove liability in your case. Aside from the evidence, a good lawyer will also talk to the witnesses and the police officers. 

  • Obtain evidence of damages 

Your lawyer will also gather evidence of the injuries sustained by you. Moreover, they will also try to prove that the other party’s negligence was the cause of your damages. 

  • Negotiate with insurer/defendant 

A good lawyer is also very good at negotiating and will always try to help you settle a car accident case in a way that works for you. 

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