Anyone can get into a car accident in Arizona. Even drivers who remain alert at all times and follow all the rules of the road can be impacted if another driver isn’t as vigilant as they are. In the aftermath, depending on the circumstances, an accident goes on your record for varying lengths of time.
Car accidents and your record
Motor vehicle accidents can stay on your Department of Motor Vehicles (DMV) driving record for a few years, but specific factors affect the length of time. For example, if you caused an accident because you were driving under the influence of alcohol or drugs, it remains on your record for a longer period. On the other hand, a minor fender bender would stay on your record for a short time.
How accidents affect your insurance
If you were at fault for a car accident, it may affect your auto insurance while on your DMV record. This can cause your insurance premiums to increase significantly. Additionally, if you get into a severe crash, it can stay on your insurance record for three years.
How much your insurance premiums increase also depends on your auto insurance company. Although some insurers will only increase your rates by a small margin, others can require you to pay a lot more. In the worst-case scenario, if the accident is serious enough, your insurer might drop you altogether. This can cause difficulties when looking for a new insurance company. However, this also depends on the nature of the collision; if someone suffered severe injuries or died because of an accident you caused, it might be very difficult to sign with a new company.
If you’ve only had one accident, finding a new insurer might be easier. Comparing your options can help you find the best rates to fit your budget.