What happens to your driving record and insurance if an accident occurs in a drive through lane of a fast food restaurant with damages under 1000.00 for each car?

Usually an at-fault accident stays on your driving record for 3 years. Therefore, the surchargeable accident will affect your auto insuranc premiums for 3 years. The surcharge begins at the renewal of your auto policy following the date of your accident. For example: You accident date was 7/15/2006 and your auto policy renews in August 2006, then the surcharge will be in effect until August 2009.