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How long does an accident stay on your insurance record in New York state?

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An accident normally remains on a New York state motor vehicle record (MVR) during the year that the accident occurred and for the following three years. The accident is then removed on January 1 of the fourth year after the collision.

In New York, the DMV lists an accident on the driving records of every driver in an accident. An accident that appears on the driver record does not assign the fault to that driver or determine fault.

If the accident was considered by the state or DMV to be of a serious nature, it can remain on a driver record for more than 10 years. This information regarding your driving record is important to know because insurance companies typically look at your driving record when determining your rates.

If your accident is listed when an insurance company checks your driving record, it can affect your rates. If your insurance is raised due to an accident, NYS regards this as a surcharge.


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