This is a common question. The general saying for this is: if you’re going drive a car, you’re charged with the absolute care, custody, and control of the car. If the weather conditions only permit you to drive a few miles an hour to remain safe, it’s your obligation to remain safe. So if you drove at an unsafe speed or at an unsafe time on unsafe road, it’s going to affect your insurance, just as if you had hit somebody else, or a tree, or a ditch—you were in control of your car. It’s the same as with any other accident; most companies will look at that accident for 6 years, but it’s becoming more common for companies to look at accidents going back 10 years, and some up to 20 years. That’s to say that you’ll get most of your discounts in the first 6 years of accident-free driving, but they’ll give you progressively more discounts as you get to 10 years of accident-free driving, and now with some companies, up to 20 years accident-free driving.