A car accident stays on your record for as long as you have auto insurance. Even if you were a driver who got into an accident under someone else’s auto policy, it will still show on your record. However, auto insurance companies in Ontario are not allowed to rate at-fault accidents that exceed six years.   Some auto insurance companies in Ontario offer better rates if you have been accident-free for over six years. So, even though they cannot rate you for at-fault accidents for that time period, auto insurance companies reward drivers with lower rates for being accident-free for six years and over.