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Oregon Auto Insurance-Driving Record

Oregon Auto Insurance Add comments

I live in Salem, Oregon and I got in a car accident 4 years ago. I am trying to get new car insurance and I was wondering how many years back can the insurance company look at my driving record according to Oregon state law?

According to Oregon state law, an insurance company may only use the last 3 years of your driving record to determine your insurance rate. So if it has been more than 3 years since your last accident, the accident you had 4 years ago should have no effect on your insurance rate. Also, you may qualify to have your insurance premium lowered if you already have auto insurance.

Even though the insurance company cannot use any negative items on your driving record to determine your insurance rate, the Department of Motor Vehicles for Oregon maintains all motorist driving records. This includes all suspensions, revocations and cancellations of your driver’s license and convictions for any crimes or traffic violations.

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