Whether you’ve just gotten into a car accident or were involved in one a year ago, it’s only natural to be concerned with how long it will stay on your driving record. However, it’s not so much your driving record you should be focused on but the points that are on it. At Fuhriman Insurance Agency in Boise, ID, we’re making it our mission to help all drivers understand the law better so they can get the insurance coverage they need. Keep reading to learn more:
Points and Your Driving Record
The truth is that your full Idaho driving record will always include the fact that you’ve been in an accident, as well as any other traffic violation you may have made. That said, the thing that most people will actually be looking at are the amount of points you have. That’s before you accumulate points for every traffic violation, whether it’s a full-scale accident or simple speeding violation. However, the amount of points you receive can vary greatly, especially when it comes to accidents. In the state of Idaho, you can lose your license once you accumulate 12 points.
The good news, however, is that in many cases points will gradually be removed from your driving record as time passes by. You may also be eligible to deduct up to three points from your record by taking a state-approved defensive driving course.
Why it’s So Important to Contact Your Insurance Agency Right After an Accident
The sooner you report the accident to your insurance carrier, the faster they can start working on assessing the claim and what you might be liable for. In many cases, the other driver(s) involved in an accident may say you’re at fault, but upon further review of the police report, your insurance carrier may find that you are actually not entirely the one to blame. Even if the accident is going on your permanent driving record, there’s no need for the cost of the incident to permanently wreck your finances.
Do you live in the Boise, ID area and have more questions about driving and license laws in Idaho and how your insurance may be affected? Contact the experts at Fuhriman Insurance Agency today.