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Accidents never erase from your record. All insurers look at your record for a different amount of time. Typically 3 - 5 years is the time that most insurers care about.

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Q: What is the time limit to erase an accident on auto insurance in Minnesota?
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When you get a speeding ticket in Minnesota at how many miles over the limit does it get reported to your insurance?

1 mph over the speed limit. The insurance company will get the information regardless of the speed.


When is it wise not to report to insurance company?

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What is Time limit to report accident in PA?

Assuming only your vehicle was damaged and no one was hurt and you are asking about the time limit to report the accident to your insurance company. Then: The time limit or rather the statute of limitations in Pennsylvania to report damage to your auto in the form of a claim to your insurance company is 2 years. After that the insurance company can and will deny your claim and you will have to pay out of pocket to have it fixed.


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Insurance records are kept by private companies, not by the governmnent. There is no time limit for the storage of this type of data.


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