How Long Does Accident Stay on Insurance

We frequently get asked: "How long does accident stay on insurance?" The other question we get asked quite often is:

"Will it affect my insurance even if it is not my fault?". If you were wondering about the impact of an accident on your auto insurance, you'll find information here.

By: Kanetix Car Insurance

After an accident people worry about how long accidents stay on their insurance record. In Ontario, and other places that have no-fault insurance but use fault determination, the key to this is if the accident is at fault or not at fault. In Ontario, an accident that is considered at fault will affect your insurance rates for at least six years (e.g. you rear end someone, or have a single car accident). For insurers that use a "ten star" rating, rates will be affected for ten years. Whether is a company that goes by six years or ten years, every year your rates will get a little better until the at fault accident is off your record.

So to answer the question: "how long does it take for an accident to come off my insurance?"; it is at least six years, but ten with some insurers. Every year that you are accident free, your rates will get better.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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