If you’ve been in a car accident in Memphis, you likely question how it affects your driving record and insurance rates. It’s normal to feel concerned, especially if you’re worried about long-lasting consequences or paying more for coverage. How much does insurance increase after an accident? It’s important to understand how a car accident affects you in the long term.
Your Driving Record Explained
Your driving record provides a detailed history of your driving-related incidents, which can include accidents, traffic violations, points accumulation, and license suspensions. The Tennessee Department of Safety and Homeland Security keeps this information, and insurance companies, employers, and law enforcement agencies can access it. Your driving record is a snapshot of your behavior behind the wheel, and it can have a significant impact on your life, from your insurance rates to your employment opportunities. Understanding the information included in your driving record and how long it remains there is essential. States require police officers to refer to their driving records when assessing violations during a traffic stop or in cases of accidents.
How Long Will an Accident Stay on Your Insurance Record?
The length of time an accident remains on your insurance record depends on the insurance company and how severe the incident was. Most accidents stay on your insurance record for three to five years, however, this range vary by state. Remember that some insurance companies may look at accidents and police reports that happened up to seven years ago when determining how much your premiums should be. This means that even if you’ve been accident-free for a few years, a past incident could still affect your insurance rates.
Even if you didn’t cause the accident, it could still show up on your insurance record. Insurance companies often look at your involvement in any accident, regardless of fault. This depends on state by state. When determining your risk level and setting your rates for insurance premiums, insurance claims, and car insurance coverages may diminish. This is because they view an accident as a high risk, even if you weren’t at fault.
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How Long Will an Accident Stay on Your CDL Record?
If you have a Commercial Driver’s License (CDL) in Memphis, an accident can have a bigger impact on your professional driving record. Accidents that involve a commercial vehicle can remain on your CDL record for three to 10 years. This depends on how severe the incident was and if it resulted in any violations or citations. This longer retention period reflects the higher standards and responsibilities of operating a commercial vehicle.
As a CDL holder, you must keep a clean driving record to continue operating commercial vehicles and keep your job. Serious accidents or violations can cause license suspension, revocation, or disqualification.
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How Long Will an At-Fault Accident Stay on Your Record?
If you caused an accident in Memphis, the incident will remain on your driving record for three years. Insurance companies can see this information, which could lead to higher rates of premiums or even a denial of coverage. An at-fault accident is a red flag for car insurers, as it suggests a higher level of risk and a greater likelihood of future claims. You can be tagged as high-risk drivers and lower your liability coverage, based on the at-fault state laws. Insurers can offer accident forgiveness, but it doesn’t mean that your record is wiped clean. You can compare car insurance quotes and coverage options to get you the best coverage possible.
Also, if you have multiple at-fault accidents within a short time, you could face more severe penalties. This includes license suspension or revocation. Accumulating several at-fault accidents demonstrates a pattern of unsafe driving behavior. This results in more serious consequences and makes it harder to find affordable insurance coverage.
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If you’ve been in a car accident in Memphis and you’re worried about how it will affect your driving record or auto insurance rates, get all the facts and explore your options. Dealing with the aftermath of an accident can be overwhelming, but you don’t have to face it alone. Talking to a knowledgeable Memphis car accident attorney can help when you file a claim. Our lawyers will make sure you understand your rights, handle the legal process, and work to reduce the long-term effects. An experienced attorney can advise the best course of action and advocate your interests.
The caring team at Gatti, Keltner, Bienvenu & Montesi, PLC is here to guide and support you during this difficult time. We understand the stress and uncertainty during a car accident, and we’re committed to helping you during the legal process. If you have questions about your accident, driving record, or insurance coverage, don’t hesitate to contact us online or call us at (901) 526-2126 for a free consultation. We’re here to listen, advise, and fight for the best possible outcome in your case.