Insurance companies often ask about your accident history from the past 5-7 years for risk assessment and premium calculation purposes. While accidents may be removed from your official driving record after 3 years, insurance companies maintain their internal records based on the information you provide and previous claims you’ve made. These internal records help insurers understand your risk profile more comprehensively. They are particularly interested in finding patterns of behavior over time, such as frequent claims or accidents, which may indicate a higher risk of future claims. Although they cannot access records wiped from the official driving history, your disclosure and their prior records with you provide them ample information to assess your risk accurately. It’s always best to disclose any incidents truthfully, as withholding information could result in policy cancellation or denied claims later.
Why do insurance companies inquire about car accidents from the past 5-7 years when they are removed from your record after 3 years, and can they still access this information?
