According to the Nevada Department of Motor Vehicles, information about traffic accidents and convictions become part of your driving record. Even traffic violations that occur in other states are added to your Nevada driving record. Most violations are reportable to your insurance company for 3 years. DUI-related convictions stay on your record for 7 years.

As part of the rating system and to give you an accurate quote for your insurance premiums the Nevada Division of Insurance (DOI) allows insurance companies to request information on the description of your vehicle, its use, your drivers license number, number and ages of drivers in your household, the coverage and limits you want and what accidents and tickets you have had in the last three (3) to five (5) years.

From this NV DOI information it would appear that insurance companies in Nevada can rate on accidents for a period of 3 to 5 years. If the accident only remains on your NV driving record for 3 though than likely this will be the amount of time you will be rated on this incident. The exact amount of time that the accident will affect your insurance rates likely depends on the type of accident you were in, claims involved and your individual insurance company's rating system. You should be able to find out the rating system from your agent or from contacting the NV DOI since insurance carriers file their rates with this state agency.

If your rates are too high due to a previous accident on your record, comparison shop for insurance with a NV auto insurance specialist.