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How Long Does a Car Accident Affect Your Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/25/2015

A car accident takes a while to jump ship from your car insurance policy.

Q: “So last year in 2014 in August, I was in a really bad car accident (it was my fault) and naturally my insurance went up drastically. (it went from 90$ to 190$) Its been almost a year and a half with my new car and no accident and still my insurance has not gone done. Not even a dollar. My question is how long will it take before my insurance goes down?”

A: Sorry to say, but you still have another year and a half to go. Car accidents stay on car insurance policies for about 3 years, depending on when your renewal falls. Once your 3 years anniversary of your car accident arrives, start talking to your car insurance agent or car insurance company about reviewing your policy.



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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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