How Long Do Accidents Affect Car Insurance In New Jersey? 
I depends on the carrier . Some carriers review accidents and tickets that occurred during the last five years for eligibility and tiering on new business , while others only go back three years . Once a policy is inforce , the usual time is three -LRB- policy -RRB- years ... meaning that an accident does not come off in the middle of the policy period , it is removed at renewal . 