how to dispute an accident on my driving record

3 min read 19-01-2025

how to dispute an accident on my driving record

Getting into a car accident is stressful enough without worrying about how it will affect your driving record and insurance premiums. Fortunately, you can dispute inaccurate information on your driving record. This guide outlines the steps to take if you believe an accident listed on your driving record is inaccurate or should be removed.

Understanding Your Driving Record

Your driving record, sometimes called a driver's history report, is a compilation of your driving history. It includes details like accidents, moving violations, and suspensions. Insurance companies and employers frequently access this information. Inaccuracies can significantly impact your insurance rates and job prospects.

Reasons to Dispute an Accident on Your Driving Record

Several reasons justify disputing an accident on your driving record:

Incorrect Information: The accident details (date, location, circumstances, fault) are wrong.
Accident Not Your Fault: You weren't at fault but the report assigns you liability.
Accident Not Reported: The accident wasn't reported to the Department of Motor Vehicles (DMV).
Administrative Error: A clerical error led to the incorrect recording of the accident.

Steps to Dispute an Accident on Your Driving Record

The process for disputing an accident varies by state. However, these general steps usually apply:

1. Obtain Your Driving Record

Request a copy of your driving record from your state's DMV. This document provides the specific information you need to dispute the accident. You can often request this online or by mail.

2. Gather Supporting Evidence

Collect any evidence supporting your claim. This might include:

Police Report: If a police report exists, review it carefully for inaccuracies.
Witness Statements: Statements from anyone who witnessed the accident.
Photos and Videos: Visual evidence from the accident scene.
Medical Records: If you were injured, your medical records can help support your claim.
Insurance Documents: Your insurance claim information and settlement details.

3. File a Formal Dispute

Most states have a formal process for disputing information on your driving record. This typically involves completing a specific form and submitting it along with your supporting evidence. The form and instructions are usually available on your state's DMV website.

4. Follow Up

After submitting your dispute, follow up with the DMV to check on the status of your case. Keep records of all communication with the DMV.

5. Appeal if Necessary

If your initial dispute is denied, you may have the right to appeal the decision. The appeals process will vary by state. Be prepared to provide additional evidence or legal representation if necessary.

How to Find Your State's DMV Information

Finding the correct contact information for your state's DMV can be crucial. A simple online search using "[Your State] DMV Dispute Driving Record" will typically yield the correct website and contact information.

Preventing Future Errors

Always obtain a copy of the police report after an accident. This is critical evidence in case of a dispute.
Take photos and videos at the accident scene. Document damage to vehicles and the surrounding area.
Get contact information from witnesses. Witnesses can provide crucial testimony in case of a dispute.
Thoroughly review your insurance documents. Ensure all information is accurate and reflects the correct liability assessment.

Common Mistakes to Avoid

Delaying the dispute process. Act quickly to gather evidence and file your dispute.
Not providing sufficient evidence. Include all relevant documents to support your case.
Failing to follow up. Regularly check the status of your dispute with the DMV.

Disputing an accident on your driving record requires careful attention to detail and a well-organized approach. By following these steps and gathering sufficient evidence, you can increase your chances of successfully correcting any inaccuracies and protecting your driving record. Remember, each state has its own specific procedures, so always consult your state's DMV website for the most accurate and up-to-date information.