How long can an insurance company hold an accident agaimst you?

UPDATED: Dec 18, 2018

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How long can an insurance company hold an accident agaimst you?

If you had an accident 9 or 10 years ago and recently had another, can your insurance company cancel your policy. Is that legal?

Asked on December 18, 2018 under Accident Law, Missouri


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Unfortunartely, an insurer may hold it against you forever if they want. Insurers are not forced to offer insurance; they are private companies, who choose to offer insurance and who are allowed to set their own criteria for coverage--i.e. what to take into account, for how long, and what the impact of those events or criteria are on rates or premiums. If they choose to still hold a decade-ago accident against you, thery can.

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