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How long does an accident stay on your insurance record in Long Island NY?

The duration for which an accident stays on your insurance record in Long Island, NY can vary depending on the insurance provider and the specific circumstances of the accident.

Typically, accidents and most traffic convictions are displayed on your insurance record until the end of the year in which the incident or conviction took place, along with an additional three years. Therefore, it could affect your rates for about three to five years before it’s dropped from your record. However, it’s important to consult with your insurance company to understand their specific policies and guidelines regarding the retention period for accidents on your record. By contacting your insurance provider directly, you can obtain accurate and up-to-date information regarding the duration of an accident’s impact on your insurance record.