According to http://www.senioryears.com/soapbox29.html the answer to how long an accident stays on record is approximately 6(six) years.
An accident is "chargeable" for 3 years after the accident. Some insurance companies will also underwrite, but not charge, for accidents for 5 or 6 years. As far as staying on your "record", the CLUE (Comprehensive Loss Underwriting Exchange) report will show claims activity of any sort for up to 10 years.
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