Will My Insurance Increase if I'm Not at Fault? California law prevents insurance companies from increasing your rates for accidents where you are not considered principally at fault.
Report accidents to your insurer within the stipulated period, often 72 hours, to avoid claim denial. The California statute of limitations for auto accidents is two years.
There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract. When you signed it, you agreed to the stipulations in the contract, which will almost certainly include the requirement to notify the insurance company promptly after an accident.
While some insurance companies will offer a promotional program called ``accident forgiveness'' in situations where drivers are not found at fault, you cannot remove an accident occurred from a driving record. Your driving abstract is not like a criminal record that can be sealed or expunged.
In the state of California, most vehicle accidents will stay on your record for around 3 years. However, more serious traffic violations will follow you for longer. For example, a DUI conviction will stay on your record for 10 years.
This is a must if the accident meets the reporting criteria. You can download Form FR-309 from the DMV website, fill it out with all the details, and send it to the address provided on the form. Let Your Insurance Company Know: After you've filed the report, contact your insurance company as soon as possible.
DO YOU WANT TO SAVE TIME AND SKIP THE LINE – MAKE AN APPOINTMENT FOR YOUR SERVICE TODAY. The average wait time for a scheduled appointment is 4 minutes. The average wait time for a walk in is 30+ minutes.
In most cases, you can trace all motor vehicle accidents back to one root cause: Human error. The vast majority of crashes, over 90%, just happen because people make mistakes. What these mistakes look like changes from accident to accident – distraction, impairment, fatigue, etc.
You can visit any DMV office in the state for motor vehicle business. Please check the business hours below before visiting our offices. For general DMV inquiries, call 1-800-DMV-UTAH (800-368-8824).
1. Basic Information Date and Time: When the accident occurred. 2. Parties Involved Driver Information: Name, address, phone number, driver's license number, and insurance details for each driver. 3. Witnesses 4. Accident Description 5. Law Enforcement 6. Additional Information 7. Conclusion 8. Attachments