How Long Does an Accident Stay on Your Insurance Record?

Missouri drivers may wonder how accidents impact insurance records. Chapman & Hogan Insurance is here to help you navigate the aftermath of an accident and learn more about auto insurance.

How Long Does an Accident Stay on Your Record in Missouri?

In Missouri, most accidents will remain on your driving record for three to five years. Insurance companies typically review your driving history when determining your rates, and any at-fault accidents may influence your premiums during this period. The exact length of time can vary depending on the severity of the accident, your insurer’s policies and whether there were any violations or claims involved.

How Accidents Affect Your Insurance Rates

After an accident, your insurance rates may increase, especially if you were found at fault. Insurers use your accident record as one of the main factors in calculating your premium. The impact on your rates can depend on:

• The number of accidents or claims on your record
• The severity of the incident
• Whether you were at fault
• Your previous driving history

Some insurance companies offer accident forgiveness programs, which may prevent your first accident from affecting your rates. It’s a good idea to ask our team if this is an option for your policy.

Tips to Minimize the Impact of an Accident

While you can’t erase an accident from your record overnight, there are steps you can take to reduce its impact:

• Drive safely and avoid further violations or claims.
• Consider taking a defensive driving course.
• Review your policy with our team to explore discounts or coverage adjustments.
• Maintain continuous coverage and avoid lapses in your insurance.

Connect With Our Team

Chapman & Hogan Insurance is committed to helping Missouri drivers understand auto insurance. Our team can review your policy, explain how your accident record may affect your rates and help you find ways to save on premiums. If you have questions about your accident record or want to discuss your coverage, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.