HOW LONG DOES AN AT-FAULT ACCIDENT STAY ON YOUR RECORD IN ONTARIO?

How long does an at fault accident stay on your driving record in Ontario? The easiest answer is three years. However, there is more to answering that question. So we worry about two things, you know, currently you’re driving record or driving abstract and how long it would be on there. And that is indeed three years.

However, insurance companies keep records of these things for, again, they’re all a bit different, but the range is somewhere between six to ten years that would be on your insurance record, we’ll say. Insurance rates, when an at fault accident occurs will increase for approximately five years, despite many of them having record of it for as long as ten years.

To those who do not understand what an at fault accident means, is that when there is an accident and two people are involved, for example, and, and let’s say, I’ve had many examples of this where there’s a rear end collision, usually the vehicle in the back that’s bumped the other vehicle they’re considered to be the vehicle that was at fault.

So that’s the type of accident we’re talking about. The other way of, the opposite way of thinking about that is if you were the guy stopped at a light fully insured, and then someone drives into the back of your vehicle. Well certainly in that situation it would be not considered an at fault accident on your behalf.

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