{"id":61229,"date":"2026-10-02T06:11:52","date_gmt":"2026-10-02T06:11:52","guid":{"rendered":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-before-an-accident-falls-off-insurance-in-florida\/"},"modified":"2026-10-08T19:25:16","modified_gmt":"2026-10-08T19:25:16","slug":"how-long-before-an-accident-falls-off-insurance-in-florida","status":"publish","type":"page","link":"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-before-an-accident-falls-off-insurance-in-florida\/","title":{"rendered":"How Long Before an Accident Falls Off Insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-base-color has-secondary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-048755b4 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--secondary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:4rem;padding-bottom:4rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h1 class=\"wp-block-heading has-base-color has-text-color\">How Long Before an Accident Falls Off Your Insurance Record?<\/h1>\n<p class=\"wp-block-paragraph\" style=\"font-size:clamp(0.875rem, 0.875rem + ((1vw - 0.2rem) * 0.625), 1.25rem);\">Understanding how long accidents stay on your driving history and affect your rates\u2014and what to do if you&#x27;ve been injured.<\/p>\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a Free Case Evaluation<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a Free Case Evaluation<\/a><\/div><\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:0.85rem;color:#6b7280;margin-bottom:1.5rem\">By CHG Lawyers \u00b7 Published October 02, 2026<\/p>\n\n<article lang=\"en\">\n\n<h2>How Long Before an Accident Falls Off Insurance in Florida?<\/h2>\n<p>Most accidents stay on a Florida insurance record for <strong>3 to 5 years<\/strong>, depending on your insurance company and how serious the crash was. The clock starts from the date of the accident, not when you settle your claim.<\/p>\n<p>Your insurance record and your official Florida driving record are two separate things. They work on different timelines.<\/p>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<p class=\"wp-block-paragraph\">If you were seriously injured, you may have legal rights to seek compensation beyond what your insurance covers. Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>The Short Answer: Accident Timeline on Florida Insurance Records<\/h2>\n<p>Your accident typically stays on your insurance record for 3 to 5 years from the date it happened. Insurance companies use this history to set your premiums and decide whether to renew your policy. After that time passes, the accident should no longer show up on new insurance quotes. Your current insurer may still see it in their own files.<\/p>\n<p>The timeline depends on several things:<\/p>\n<ul>\n<li>Whether you were at fault<\/li>\n<li>How severe the damage was<\/li>\n<li>Whether anyone was injured<\/li>\n<li>Your specific insurance company&#8217;s policy<\/li>\n<\/ul>\n<p>Some insurers are more lenient than others. Shopping around after 2 to 3 years may help you find better rates.<\/p>\n<h2>How Long Do Accidents Stay on Your Florida Driving Record?<\/h2>\n<p>Your <strong>Florida driving record<\/strong>, kept by the <a href=\"https:\/\/www.flhsmv.gov\/\">Department of Highway Safety and Motor Vehicles (DHSMV)<\/a>, is separate from your insurance record. This official record typically keeps accident information for 3 to 5 years as well. The two don&#8217;t always match up.<\/p>\n<p>How long an accident stays on your driving record can depend on the details of the crash. Your driving record is what law enforcement, courts, and insurance companies use when they need your official accident history.<\/p>\n<p>You can request your official Florida driving record directly from the DHSMV to see exactly what&#8217;s there and when it will be removed. This is a good step if you&#8217;re unsure what&#8217;s on your record or if you think an accident was reported by mistake.<\/p>\n<h2>At-Fault vs. Not-At-Fault Accidents: Do They Fall Off Differently?<\/h2>\n<p><strong>At-fault accidents<\/strong> typically stay on your insurance record for the full 5 years and have a big impact on your premiums. Insurance companies see at-fault accidents as a sign of higher risk. Your rates will go up significantly.<\/p>\n<p><strong>Not-at-fault accidents<\/strong> are often treated differently from at-fault accidents when it comes to your insurance record. If another driver hit you and your insurer said you were not at fault, that accident should not raise your premiums. It may still show on your driving record for the standard time period.<\/p>\n<p>Fault can sometimes be shared between drivers. If you&#8217;re found partially at fault, your accident may fall somewhere in between.<\/p>\n<h2>How Do Insurance Companies Use Your Accident History?<\/h2>\n<p>Insurance companies look at your accident history to figure out how risky you are and set your premiums. If you&#8217;ve had multiple accidents in a short time, you&#8217;re more likely to face higher rate increases or even policy cancellation. Some insurers look back 3 years; others review 5 years or longer.<\/p>\n<p>One accident is usually manageable. Two or more within a few years can make you a higher-risk customer. On the flip side, keeping a clean driving record after an accident can slowly reduce the impact on your premiums over time.<\/p>\n<h2>How Long Will My Insurance Rates Be Affected?<\/h2>\n<p>Your rates typically go up for 3 to 5 years after an accident. How serious the crash was matters. An accident with injuries or major property damage will raise your rates more than a minor fender-bender.<\/p>\n<p>After 2 to 3 years, it&#8217;s worth getting new insurance quotes. Some insurers weight older accidents less heavily. You may find a company that offers better rates than your current provider. Each year without another accident also helps reduce the impact of the original accident on your premiums.<\/p>\n\n<figure class=\"wp-block-image size-large has-custom-border\"><img decoding=\"async\" src=\"https:\/\/chglawyers.com\/resources\/wp-content\/uploads\/2026\/10\/woman-with-injured-leg-sitting-on-couch-holding-crutches-photo.jpg\" alt=\"Woman with injured leg sitting on couch holding crutches.\" style=\"border-radius:8px;width:100%;aspect-ratio:16\/9;object-fit:cover\"\/><\/figure>\n\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<p class=\"wp-block-paragraph\">If you&#x27;d like to discuss your accident and any injuries that resulted, we&#x27;re here to listen and help you understand your next steps. Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>What Happens If You Don&#8217;t Report an Accident Within 24 Hours in Florida?<\/h2>\n<p>Florida law does not require you to report an accident to your insurance company within a specific timeframe. However, <strong>your insurance policy almost certainly does<\/strong>. Most policies require prompt notice\u2014often within 24 to 48 hours. Delaying notification gives your insurer grounds to deny or delay your claim, or even cancel your policy.<\/p>\n<p>If the accident involves injury or death, or apparent damage of at least $2,000 to a vehicle or other property, you <strong>must<\/strong> immediately contact law enforcement. Failing to report a required accident to police can result in legal penalties.<\/p>\n<h2>Can You Remove an Accident From Your Insurance Record?<\/h2>\n<p>You cannot remove an accident from your insurance record yourself. Only your insurance company can remove it once the standard time period ends. If you think the accident was reported by mistake or you disagree with the fault determination, you can ask your insurer to review it. The company makes the final decision.<\/p>\n<p>Once the time period ends, the accident should no longer show on new insurance quotes. Your current insurer may continue to see it in their own files. If you switch insurers after the time period has passed, the new company should not see the accident on your record.<\/p>\n<h2>What If Your Accident Involved a Serious Injury?<\/h2>\n<p>Accidents with serious injuries work on a completely different timeline than routine insurance record retention. If you or anyone else was seriously injured\u2014such as a spinal cord injury, traumatic brain injury, amputation, or severe burn\u2014the accident may trigger a personal injury claim. This claim goes far beyond the 3 to 5 year insurance record window.<\/p>\n<p><strong>Under Florida law, you generally have two years from the date of a serious injury to file a personal injury lawsuit.<\/strong> This deadline, called the <a href=\"http:\/\/www.leg.state.fl.us\/statutes\/index.cfm?App_mode=Display_Statute&amp;URL=0000-0099\/0095\/Sections\/0095.11.html\">statute of limitations<\/a>, applies to most negligence and personal-injury claims that happen after March 24, 2023.<\/p>\n<p>Medical records, liability investigations, and settlement talks for serious injuries can go well beyond the insurance record period. If you were seriously injured, you may have legal rights to seek compensation beyond what your insurance covers. This includes damages for medical bills, lost wages, pain and suffering, and permanent disability.<\/p>\n<h2>Frequently Asked Questions<\/h2><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>How far back do insurance companies look at accidents in Florida?<\/summary><p>Most insurance companies review 3 to 5 years of accident history when setting premiums. Some may look back further depending on how serious the incident was.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Will a not-at-fault accident affect my insurance rates?<\/summary><p>A not-at-fault accident should not raise your rates. It may still show on your driving record. If your rates did go up after a not-at-fault accident, contact your insurer to challenge the determination.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>Can I get a ticket removed from my driving record?<\/summary><p>Tickets, like accidents, stay on your driving record for 3 to 5 years. You cannot remove them yourself. You may be able to contest the ticket in court or look into traffic school options depending on the violation.<\/p><\/details><details class=\"wp-block-details chg-faq is-layout-flow wp-block-details-is-layout-flow\"><summary>What should I do if I was injured in a car accident?<\/summary><p>If you were injured, get medical attention right away. Report the accident to police and your insurance company. Write down all details and injuries. Think about talking to an attorney about your legal rights\u2014especially if your injuries are serious or long-term.<\/p><\/details>\n<div class=\"cta-dose-mid wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Not sure what your next step is?<\/h3><p class=\"wp-block-paragraph\">Talk it through with our team &#8212; the first consultation is free, confidential, and carries no obligation.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get a free consultation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get a free consultation<\/a><\/div><\/div>\n<\/div>\n<h2>Next Steps: Understanding Your Situation<\/h2>\n<p>If you&#8217;re looking into how long an accident will affect your insurance, start by reading your policy. Understand your insurer&#8217;s specific rules about keeping records and reporting. Request your official Florida driving record from the DHSMV to see exactly what&#8217;s there and when it will be removed.<\/p>\n<p>If you were injured in the accident or think you are not at fault, write down all details. Include photos, the police report, witness information, and medical records. If the accident is raising your rates significantly after 2 to 3 years, get quotes from other insurers. You may find better coverage.<\/p>\n<p><strong>If the accident caused a serious injury\u2014to you or anyone else\u2014your situation involves more than just insurance timelines.<\/strong> You may have legal rights to seek compensation for medical bills, lost income, pain and suffering, and permanent disability. Many people in your situation reach out to talk about what happened and what options they have. If you&#8217;d like to discuss your accident and any injuries that resulted, we&#8217;re here to listen and help you understand your next steps.<\/p>\n\n<\/article>\n<footer class=\"disclaimer\"><em>This is attorney advertising. The information provided is for general informational purposes only and is not legal advice. Prior results do not guarantee a similar outcome, and contacting the firm does not create an attorney-client relationship.<\/em><\/footer>\n\n\n<div class=\"wp-block-group alignfull has-surface-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">How Long Accidents Stay on Your Record<\/h2>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">3 to 5 Years (Most Common)<\/h3><p class=\"wp-block-paragraph\">Most insurance companies in Florida review 3 to 5 years of accident history when calculating your premiums. This is the standard lookback period for minor and moderate accidents.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Longer for Serious Incidents<\/h3><p class=\"wp-block-paragraph\">Major accidents, DUIs, or at-fault collisions may remain visible for 7 to 10 years or longer, depending on your insurer and the severity of the crash.<\/p><\/div><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">Not-at-Fault Accidents<\/h3><p class=\"wp-block-paragraph\">If you were not at fault, the accident typically should not raise your rates and may disappear from your record sooner\u2014though it may still appear on your driving history.<\/p><\/div><\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-group has-base-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;box-shadow:0 4px 14px rgba(0,0,0,0.08);padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem\"><h3 class=\"wp-block-heading\">State Records vs. Insurance Records<\/h3><p class=\"wp-block-paragraph\">Your driving record with the Florida Department of Highway Safety and Motor Vehicles (DHSMV) and your insurance company&#x27;s internal record are separate. Both may retain accident information for different lengths of time.<\/p><\/div><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-583d630a wp-block-group-is-layout-constrained\" style=\"padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">What You Should Know About Accident Records<\/h2>\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--clock\"><\/span><\/p><h3 class=\"wp-block-heading\">Timeline Varies by Insurer<\/h3><p class=\"wp-block-paragraph\">Each insurance company sets its own lookback period. Some may be more forgiving than others, so shopping for new coverage after an accident can sometimes help.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--document\"><\/span><\/p><h3 class=\"wp-block-heading\">Check Your Driving Record<\/h3><p class=\"wp-block-paragraph\">You can request a copy of your Florida driving record from DHSMV to see exactly what accidents and violations are on file. Errors do happen\u2014and they can be corrected.<\/p><\/div><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--info\"><\/span><\/p><h3 class=\"wp-block-heading\">Accident Type Matters<\/h3><p class=\"wp-block-paragraph\">Minor fender-benders may fall off faster than serious collisions. The more damage, the longer it typically stays on your record.<\/p><\/div><\/div>\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f56f613f wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p class=\"wp-block-paragraph\"><span class=\"chg-icon chg-icon--shield\"><\/span><\/p><h3 class=\"wp-block-heading\">Your Rights After an Accident<\/h3><p class=\"wp-block-paragraph\">If you were injured in an accident caused by someone else&#x27;s negligence, you may have a claim for damages\u2014regardless of how long the accident stays on your insurance record.<\/p><\/div><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-base-color has-accent-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-32197852 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--accent,#20242e);color:var(--wp--preset--color--base,#ffffff);border-radius:8px;padding-top:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;padding-right:1.5rem;border-left:6px solid var(--wp--preset--color--cta,currentColor);box-shadow:0 2px 10px rgba(0,0,0,0.18)\">\n<h3 class=\"wp-block-heading has-base-color has-text-color\">Injured in an Accident? Don&#x27;t Wait.<\/h3><p class=\"wp-block-paragraph\">While insurance records fade over time, the window to file a claim for your injuries does not. If you were hurt in a crash, truck accident, or other incident caused by someone else&#x27;s negligence, the sooner you act, the better. Evidence fades, memories blur, and legal deadlines matter.<\/p><div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Contact Us for a Free Evaluation<\/a><\/div><div class=\"wp-block-button chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Contact Us for a Free Evaluation<\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-base-color has-primary-background-color has-text-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4d466591 wp-block-group-is-layout-constrained\" style=\"background-color:var(--wp--preset--color--primary,#20242e);color:var(--wp--preset--color--base,#ffffff);padding-top:3rem;padding-bottom:3rem;padding-left:1.5rem;padding-right:1.5rem\">\n<h2 class=\"wp-block-heading has-text-align-center has-base-color has-text-color\">Injured and Need Help?<\/h2>\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-0aa01211 wp-block-buttons-is-layout-flex\"><div class=\"wp-block-button chg-cta chg-cta-call\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+17867514283\">Get Your Free Case Evaluation Today<\/a><\/div><div class=\"wp-block-button chg-cta chg-cta-form\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/chglawyers.com\/contact-us\/\">Get Your Free Case Evaluation Today<\/a><\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">Related practice areas<\/h2><ul class=\"wp-block-list\"><li><a href=\"\/resources\/car-accident-settlements-florida\/\">Car Accident Settlements in Florida: What Your Case May Be Worth<\/a><\/li><li><a href=\"\/resources\/spinal-cord-injury\/\">Spinal Cord Injuries: A Guide for Victims and Families Facing Paralysis<\/a><\/li><\/ul>\n<!-- chg:section-siblings -->\n<nav aria-label=\"More in this section\">\n<h2>More in this section<\/h2>\n<ul><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-can-a-concussion-last-from-a-car-accident\/\">How long can a concussion last from a car accident?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-car-accident-settlement-takes\/\">How Long Does a Car Accident Settlement Take in Florida?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-car-accident-settlement-takes-florida\/\">How Long Does a Car Accident Settlement Take in Florida?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-do-most-accident-settlements-take\/\">How long do most accident settlements take?<\/a><\/li><li><a href=\"\/resources\/car-accident-settlements-florida\/how-long-do-most-personal-injury-cases-take-to-settle\/\">How long do most personal injury cases take to settle?<\/a><\/li><\/ul>\n<\/nav>\n<!-- \/chg:section-siblings -->","protected":false},"excerpt":{"rendered":"<p>Most accidents stay on Florida insurance records for 3\u20135 years. Learn how long your accident affects your rates, the difference between driving and insurance records, and your legal options.<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":39266,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"chg_review":"","chg_sendback":"","chg_canonical":"","chg_lang":"","chg_hreflang":"[{\"hreflang\": \"en\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-before-an-accident-falls-off-insurance-in-florida\/\"}, {\"hreflang\": \"es\", \"href\": \"https:\/\/chglawyers.com\/resources\/es\/liquidacion-accidentes-autos-florida\/cuanto-tiempo-accidente-desaparece-seguro-florida\/\"}, {\"hreflang\": \"x-default\", \"href\": \"https:\/\/chglawyers.com\/resources\/car-accident-settlements-florida\/how-long-before-an-accident-falls-off-insurance-in-florida\/\"}]","chg_jsonld":"[{\"author\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"@context\": \"https:\/\/schema.org\", \"headline\": \"How Long Before an Accident Falls Off Insurance in Florida?\", \"publisher\": {\"@type\": \"Organization\", \"@id\": \"https:\/\/chglawyers.com\/resources\/#organization\", \"name\": \"CHG Personal Injury Lawyers\", \"url\": \"https:\/\/chglawyers.com\/\"}, \"speakable\": {\"@type\": \"SpeakableSpecification\", \"cssSelector\": [\"article > p:first-of-type\", \".wp-block-details p\", \"article > h1\"]}, \"areaServed\": {\"name\": \"Florida\", \"@type\": \"State\"}, \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How far back do insurance companies look at accidents in Florida?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Most insurance companies review 3 to 5 years of accident history when setting premiums. Some may look back further depending on how serious the incident was.\"}}, {\"@type\": \"Question\", \"name\": \"Will a not-at-fault accident affect my insurance rates?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"A not-at-fault accident should not raise your rates. It may still show on your driving record. If your rates did go up after a not-at-fault accident, contact your insurer to challenge the determination.\"}}, {\"@type\": \"Question\", \"name\": \"Can I get a ticket removed from my driving record?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Tickets, like accidents, stay on your driving record for 3 to 5 years. You cannot remove them yourself. 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