How long does an accident stay on record?

by Bianca W.
(Angus, Ontario, Canada)

We are shopping around for another insurance company as our rates have tripled and have had no accidents in eight years yet when getting quotes they still are penalizing for a minor no fault accident ! how many years will this stay on record


Reply: Years accidents stay on record


Hi Bianca
An accident that is considered not at fault will not affect your rates at all (i.e. another driver hits you). Read more about that at No fault insurance Ontario when you are done here.

If the accident is at fault, it usually affects your rates for 6 years. Some carriers have a 10 year policy. But even so, the rates go down every year.

It is very likely that something else has changed. For example, it could be a new driver added to the policy, or very likely a driver has several tickets.

You are right to shop around. I recommend that you try here:
FREE Auto Insurance Quotes


You will get many quotes there after taking a few minutes answering questions.

Hope that helps!

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Feb 06, 2013
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by: Anonymous

"An accident that is considered not at fault will not affect your rates at all (i.e. another driver hits you)"

If you are in a single vehicle crash where you have been deemed not at fault by the police and make an insurance claim your rate does go up.

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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 www.canada-insurance-source.com, 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

Please Read

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