The state of Arizona keeps citations related to a motor vehicle accident on your driving record for five years. If you did not receive a citation for the accident, then the accident itself would not be on your motor vehicle record (MVR).
The Arizona Motor Vehicle Division (MVD) told us that only citations go on their records. They are not aware of which violations listed are because of accidents, and so neither would a car insurance company.
If you were cited at the scene of the accident, say, for following too closely, then it would be listed on your MVR but the accident you caused would not. If you were not cited when you rear-ended the other car, then there will not be a mention of the incident on your driving record.
When a citation is placed on your Arizona MVR, it remains there for five years and then is removed. You and your car insurance company can request from the MVD a driving record that goes back 39 months or five years.
According to the Arizona Department of Insurance, there are not currently any state statutes that tell auto insurance companies how long they can rate on a traffic violation or at-fault accidents.
Each car insurance company has its own underwriting guidelines; some will rate you on violations and accidents for only three years, while others will rate you for five years.
To find out about your car insurer's rating system you will have to ask your agent. Your agent should be able to tell you how much longer your at-fault accident will affect your rates.
If their rating period is for three years, then your rates should be going down soon, if they rate for five years then it may be time shop around for a different, more affordable auto insurance provider.
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