An accident is not something that anyone wants to deal with or that anyone wants to have to report to their insurance company. They are however an eventuality that some have to deal with. For those that live in the Austin, TX area, the agents with The Policy Source can help you find the right policy for you even if you have accidents on your record.
So the real question is how long do accidents affect your overall insurance premiums. The answer is a bit iffy. For those that have had an accident in the past, it all depends on when the accident happened, how severe it was, and the individual laws of your state. As the date of your accident gets further and further away, it becomes more and more likely that your accident is going to drop off of your record. This means that after a specified time, that is unique to your state, the accident will no longer show up on any searches that your insurance company makes.
For those that have gone for a specific amount of time without having an accident, it is more likely that the accident is no longer going to affect your driving record or your insurance premiums. For those that have had a very recent accident, dependent on how serious the accident was, your premiums are likely going to be higher than they would be if you had not had an accident. For the most part, an accident is going to raise premiums and in some cases, it might prompt the insurance agency to complete your claim then drop your coverage.
For those in the Austin, TX area, the agents with The Policy Store can help you find the right policy for you.