mustangman2011 Posted May 21, 2012 Report Share Posted May 21, 2012 How long do tickets/accident stay on your record for? I thought it was 2 years, but my insurance company is telling me 3 years. Is that normal for insurance companies? Quote Link to comment Share on other sites More sharing options...
mustangman2011 Posted May 21, 2012 Author Report Share Posted May 21, 2012 might of posted in wrong area...mods move if needs to be Quote Link to comment Share on other sites More sharing options...
mmrmnhrm Posted May 21, 2012 Report Share Posted May 21, 2012 I'd have to look and see if I still have my old statements, but I think three is how long it took for my fail brakes-caused rear ending to clear off. Quote Link to comment Share on other sites More sharing options...
RyM3rC Posted May 21, 2012 Report Share Posted May 21, 2012 In my experience it has been 2 or 3 years depending on the company Quote Link to comment Share on other sites More sharing options...
mustangman2011 Posted May 21, 2012 Author Report Share Posted May 21, 2012 Yeah I thought it was two too, but I am getting screwed on my latest renewal. Quote Link to comment Share on other sites More sharing options...
87GT Posted May 21, 2012 Report Share Posted May 21, 2012 3 to 5 years depending on the type of accident / violation. Your person ALH report will always display anything on your record but insurance companies won't charge if it is old enough. Quote Link to comment Share on other sites More sharing options...
gaewsky1 Posted May 21, 2012 Report Share Posted May 21, 2012 3 to 5 years depending on the type of accident / violation. Your person ALH report will always display anything on your record but insurance companies won't charge if it is old enough. Correct answer. Most go back 35 months and some of the larger "preferred carriers" go back 5 yrs. Quote Link to comment Share on other sites More sharing options...
Not Brian Posted May 21, 2012 Report Share Posted May 21, 2012 Progressive goes back 3 years The "better" companies like State Farm and Allstate go back 5 I don't know of any insurance companies that go back only 2 years - that's just when points drop off your actual license. Quote Link to comment Share on other sites More sharing options...
Radio Flyer1647545514 Posted May 21, 2012 Report Share Posted May 21, 2012 3 years for tickets I know for sure, 5 years for accidents and claims I think. 2 years and it comes off your driving record. I don't know how it works if you're switching companies. Quote Link to comment Share on other sites More sharing options...
Flyin Miata Posted May 22, 2012 Report Share Posted May 22, 2012 Depends on the company primarily, and the state second. Progressive is 35 months in Ohio for tickets and NOT at fault accidents, and 59 months for AT fault accidents although the points themselves usually drop after 35 months on an AAF. Depending on your carrier, there are two ways to solve the problem of a ticket on your record in the middle of a policy term: 1. Call and ask if they can remove it. Progressive (and maybe others) will remove your violation if it is past 35 months old, and you haven't had any additional tickets/accidents since the renewal of your current term. 2. If that isn't an option, you can call and cancel your current term, then get a brand new policy the same day. By rewriting the policy as of the date your ticket comes off, you avoid having to pay for it beyond the 35 month period. Just make sure you aren't losing your tenure with the company, getting dinged with a cancel fee, etc etc. Quote Link to comment Share on other sites More sharing options...
87GT Posted May 22, 2012 Report Share Posted May 22, 2012 2. If that isn't an option, you can call and cancel your current term, then get a brand new policy the same day. By rewriting the policy as of the date your ticket comes off, you avoid having to pay for it beyond the 35 month period. Just make sure you aren't losing your tenure with the company, getting dinged with a cancel fee, etc etc. Depending on the insurance underwriting rules it might not matter. I would check first and only suggest rewriting a policy if it moves you to a positive company with better rates. This sometimes happen after x number of months in "good standing" substandard company. Quote Link to comment Share on other sites More sharing options...
mrs.cos Posted May 22, 2012 Report Share Posted May 22, 2012 Yeah I thought it was two too, but I am getting screwed on my latest renewal. Sounds to me like its time to shop for new insurance then. Quote Link to comment Share on other sites More sharing options...
Big Chief2011647545501 Posted May 22, 2012 Report Share Posted May 22, 2012 I've been shopping around lately and found that its 3-5 years. Havent seen anymore or any less. PS Met Life, Allstate and Geico suck balls for rates. I just saved $900/ year between my wife and I switching to American Family. Quote Link to comment Share on other sites More sharing options...
Flyin Miata Posted May 22, 2012 Report Share Posted May 22, 2012 Depending on the insurance underwriting rules it might not matter. I would check first and only suggest rewriting a policy if it moves you to a positive company with better rates. This sometimes happen after x number of months in "good standing" substandard company. Very good point. I probably should've specified too that this is more common when you want to stay with your current carrier. We had a lot of people do that in the states where mid-term violation removal isn't allowed (California, for example). But yes, I've seen situations where one ticket dropping off didn't even affect the policy at all. The variations in policies and underwriting rules can be so insanely complex that it's always better to straight up ask a service rep first before making ANY moves. Quote Link to comment Share on other sites More sharing options...
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