If you’ve been in a car accident in Memphis, you likely have questions about how the incident will affect your driving record and insurance rates. It’s normal to feel concerned, especially if you’re worried about long-lasting consequences or paying more for coverage. It’s important to understand how a car accident affects you in the long term.
Your Driving Record Explained
Your driving record provides a detailed history of your driving-related incidents, which can include accidents, traffic violations, points accumulation, and license suspensions. The Tennessee Department of Safety and Homeland Security keeps this information, and insurance companies, employers, and law enforcement agencies can access it. Your driving record is a snapshot of your behavior behind the wheel, and it can have a significant impact on your life, from your insurance rates to your employment opportunities. Understanding the information included in your driving record and how long it remains there is essential.
How Long Will an Accident Stay on Your Insurance Record?
The time an accident remains on your insurance record depends on the insurance company and how severe the incident was. Most accidents stay on your insurance record for three to five years. Remember that some insurance companies may look at accidents that happened up to seven years ago when determining how much your premiums should be. This means that even if you’ve been accident-free for a few years, a past incident could still affect your insurance rates.
Even if you didn’t cause the accident, it could still show up on your insurance record. Insurance companies often look at your involvement in any accident, regardless of fault, when determining your risk level and setting your rates. This is because they view an accident as an increased risk, even if you weren’t at fault.
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How Long Will an Accident Stay on Your CDL Record?
If you have a Commercial Driver’s License (CDL) in Memphis, an accident can have a bigger impact on your professional driving record. Accidents that involve a commercial vehicle can remain on your CDL record for three to 10 years, depending on how severe the incident was and if it resulted in any violations or citations. This longer retention period reflects the higher standards and responsibilities of operating a commercial vehicle.
As a CDL holder, you must keep a clean driving record to continue operating commercial vehicles and keep your job. Serious accidents or violations can cause license suspension, revocation, or disqualification.
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How Long Will an At-Fault Accident Stay on Your Record?
If you caused an accident in Memphis, the incident will remain on your driving record for three years. Insurance companies can see this information, which could lead to higher premiums or even a denial of coverage. An at-fault accident is a red flag for insurers, as it suggests a higher level of risk and a greater likelihood of future claims.
Also, if you have multiple at-fault accidents within a short time, you could face more severe penalties, such as license suspension or revocation. Accumulating several at-fault accidents demonstrates a pattern of unsafe driving behavior, which can result in more serious consequences and make it harder to find affordable insurance coverage.
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If you’ve been in a car accident in Memphis and you’re worried about how it will affect your driving record or insurance rates, it’s important to get all the facts and explore your options. Dealing with the aftermath of an accident can be overwhelming, but you don’t have to face it alone. Talking to a knowledgeable Memphis car accident attorney can help. Your lawyer will make sure you understand your rights, handle the legal process for you, and work towards reducing the long-term effects of the incident. An experienced attorney can advise you on the best course of action and advocate for your interests when dealing with insurance companies or other parties.
The caring team at Gatti, Keltner, Bienvenu & Montesi, PLC is here to guide and support you during this difficult time. We understand the stress and uncertainty that comes from being involved in a car accident, and we’re committed to helping you through the legal process and protecting your rights. If you have questions about your accident, driving record, or insurance coverage, don’t hesitate to contact us online or call us at (901) 526-2126 for a free consultation. We’re here to listen, advise, and fight for the best possible outcome in your case.