• 28 Oct 2024

How Long Does an At-Fault Accident Stay on Your Record in North Carolina?

Experiencing a car accident can be overwhelming, especially if you’re found at fault. You may worry about higher insurance premiums, license points, and potential legal consequences. This guide will help you understand how long a car accident stays on your record in North Carolina and what it means for your driving privileges and insurance rates.

Fault and Liability in North Carolina

North Carolina follows a strict contributory negligence system. This means if you contributed to the accident in any way, you may be barred from recovering compensation. Here’s how it works:

• At-Fault: If you caused or contributed to the crash, you’re generally liable for damages.
• No Compensation: Under contributory negligence, even minor fault on your part can prevent you from receiving any settlement or award.

What Happens If You’re Found At Fault?

Being legally responsible for an accident can have serious implications:

Insurance Premium Increases

Most insurers consider an at-fault crash a risk factor and may raise your premiums accordingly.

License Points

North Carolina uses a point system for traffic violations. Serious accidents or related infractions can add points to your driving record, potentially leading to license suspension if points accumulate.

Legal Consequences

Severe cases (e.g., driving under the influence or recklessly) may result in fines, probation, or even jail time.

How Long Does an At-Fault Accident Stay on Your Record?

In North Carolina, an at-fault accident typically stays on your driving record for three to five years. Several factors can affect this timeline:

Severity of the Incident

More serious accidents with injuries or extensive damage may remain on your record longer than minor collisions.

Associated Violations

Additional infractions, like speeding or DUI, may extend how long accidents stay on your record.

Insurance Policies

Some insurers consider accidents for longer than five years when setting premium rates.

Common Questions About At-Fault Accidents

How long does at-fault accident stay on insurance record?

Insurance companies typically look at your driving history for three to five years. However, some may review your record for longer.

How long does a wreck stay on your driving record?

In North Carolina, most at-fault accidents remain on your record for three to five years, but serious violations can extend this timeframe.

How to lower insurance after an accident?

• Take a Defensive Driving Course: Some insurers offer discounts for completing certified programs.
• Maintain a Clean Record: Avoid traffic violations to show you’re a lower risk.
• Shop Around: Compare quotes from different insurance providers.

How do I remove an accident from my insurance record?

You generally can’t remove an accident, but you can improve your record over time. Safe driving and taking driver improvement courses can help reduce the long-term impact.

How long does it take for car insurance to go down?

Your insurance rates may decrease after three to five years of accident-free driving or when you no longer have any points on your record.

Rebuilding After an At-Fault Accident

Although an accident can be a significant setback, there are ways to recover:

• Improve Your Driving Habits: Consistent safe driving can lower insurance rates over time.
• Seek Legal Counsel: An auto accident attorney can help you understand your rights and responsibilities, especially if you’re facing legal complications.
• Explore Settlement Options: If injuries or extensive damage were involved, consult with an attorney about potential compensation.

Need Guidance After an Auto Accident?

Whether you’re dealing with insurance hikes, license points, or legal consequences, talking to a North Carolina auto accident attorney can help. At Paul Robinson, PLLC, our personal injury attorneys offer the support and expertise you need to navigate the aftermath of an accident—fault or not.

Call Paul Robinson today for a free consultation and let our team guide you on the best steps toward recovery. We’re here to help you move forward and protect your future.