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How long can a Insurance company in the state of Tennessee look back on your driving record? |
I had a wreck two years ago this October, I was wondering how long an insurance company can look back on my record? Its been two years since I have had any wrecks or tickets but my rates are still high, I was thinking if I switch companies and didnt tell them about the wreck I would have a clean record? edit If you don't answer all of their questions, you might get away with it. But if you get into an accident, or need your insurance for whatever reason, they can say you lied and deny you coverage. It isn't a good idea. They can look back more than two years, sadly. Also, if you got a ticket, it is a matter of public record, and chances are they can find out relatively easily. i live in Tennessee,,and i know they will go back 10 yrs sometimes,,but on most tickets they just hold them against you for 5 yrs,,and accidents,,wont count against you if they wasn't your fault,,if they was,,and there was a high amount of damages that they had to pay out,, they may hold them on there for a while,,and if you try and switch companies they,ll know it will still be there on your record,,good luck with it,,i hope this help,s. been a certified mechanic for 36 yrs. They can look back til the day you were born But they may not use the info they get unless it was in the last 5 years In NY they look back for a 40 month period (3yrs 4 mos) - I'd guess that it's somewhere in the neighborhood of about 3 years. Some insurance companies look back as far as 5 years. Whether or not you declare the loss in applying for insurance, they will probably find it via either your driving record or a c.l.u.e. report (Comprehensive Loss Underwriting Exchange <-- inter-insurance company reporting agency) and adjust your rates accordingly. It is best that you tell the company at the time of application as withholding information in favor of a lower rate is a form of insurance fraud. I was an insurance agent until I decided to get out of it because of all the dishonesty. A ticket can follow you for 3 years and an accident for 5. A DUI or related offense is 5 years as well. They now have a 'central bank' that will transfer your driving record by touching the enter key, it's that simple. The longer it's been on the wreck, the less they will punish you. (raise your rates) If you are thinking of switching companies, don't, stay with the one you have now until the wreck is off your record. Okay, another thing...if your wreck was a not-at-fault accident, meaning the other person caused the accident AND you didn't make a claim to your insurance company, (because he didn't have ins...etc) the accident will not raise your rates at all and it won't matter if you switch. I would call my agent and ask them. 1} when are the tickets falling off. 2} was the accident considered my fault and when it will be falling off. You should wait until your record is clean before switching companies. If you have something on your record and switch, the NEW company will probably have higher rates, due to you not getting the discounts your current company gives you. You get discounts for being a long term customer, good student, safe driving record, etc. Good Luck! |
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