How Long Does an Accident Stay on Your Record in Louisiana?
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If you were recently in a car collision, you may be wondering, “How long does an accident stay on your record in Louisiana?” In reality, there are several factors that can influence that timeline.
Car collisions can cause financial headaches long after injuries heal and damaged vehicles are repaired. Whether your collision happened in the French Quarter, Garden District, or elsewhere in the state, insurance rate hikes can last for a considerable amount of time.
When Do Accidents Raise Insurance Rates?
To understand how car insurance rates relate to collisions, it is important to first know that Louisiana is an at-fault state for automobile collisions. This means that the party or parties that cause a crash are financially liable for the damage and injuries they cause.
Insurance companies are in the business of risk assessment and risk management. To make a profit, they charge premiums that consider the policyholder’s claims history and other factors.
The state of Louisiana saw 108,100 collisions in 2024 that led to property damage. That year, roughly 59,000 people were injured in wrecks.
When someone causes a collision, they are considered to be a higher risk from the vantage point of an insurance company. To account for that risk, the insurance carrier may raise monthly premiums.
How Long Can a Wreck Stay on My Record?
The time that a car collision stays on your record varies by insurance carrier. Most collisions affect your insurance premiums for about three years. Some insurance companies may review up to five years of driving history when calculating rates.
If you are in a wreck and found at fault, you could potentially reduce the hike you experience by shopping around. However, it is important to remember that your collision history is public record.
Why You Should Hire a Car Accident Lawyer
In Louisiana, any time spent on the road comes with the risk of a car collision. Legal representation can play a key role in protecting your rights and interests after a wreck. If you were hurt in the wreck, the decision to hire a car accident lawyer can help you understand the state’s car accident laws and how to file a car accident claim.
State laws protect drivers who are not at fault for causing a wreck from premium rate hikes and surcharges. If your insurance company violates this law, your Louisiana car accident attorney can take decisive steps to reverse that decision. Whether you are accused of causing a collision or are seeking fair compensation, your top priority should be to hire an attorney.
Contact the Dedicated Car Accident Injury Team at Murphy Law Firm Today
If you were hurt in an automobile wreck, you need representation that gets results. Our law firm brings 150 years of combined experience. Our lawyers have reclaimed more than $250 million for our clients.*
Our attorneys are experienced litigators who are not afraid to take cases to court or trial when necessary. If you are looking for a law firm that takes a focused, results-driven approach to managing claims, we welcome you to contact our office today to schedule your consultation.
*Past results do not guarantee a similar outcome. Every case is different and must be evaluated on its own merits.
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