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Q

How long does an accident stay on your record in Illinois? I just had an accident in Sept. 08 where I hit a guard rail on the highway. I was looking for insurance and one company told me that the accident is applying 4 points on my motor vehicle record because of property damage. When will that stop impacting my premium so much?


A

The Driver Services Department of the IL Secretary of State (SOS) stated to us that convictions remain on the Illinois driving record for a period of five years, unless they result in a suspension or revocation. In this case, they remain on the record for 7 ½ to 10 years.

Minor supervisions and accident reports, which are not related to a suspension or revocation, come off approximately 4 ½ years after the supervision date or accident date. Driving records go back 5 years unless there are alcohol violations on it, since offenses such as a DUI do not ever come off of an Illinois driver's history.

So according to the IL SOS accidents normally stay on your motor vehicle record (MVR) for 4 and a half years. Whether it will affect you for that long will be up to the rating system of your insurance company. Some insurance providers may only look back and rate your for 3 years for this single car accident. Since the accident happened so recently unfortunately it will affect you for at least a little while and likely raise your rates since you are shopping for insurance.

You can get low cost instant car insurance quotes for Illinois here with us.


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