"Accident history" refers to the record or documentation of past accidents or incidents that have occurred involving a person, place, or object. It helps provide information about previous unfortunate events or mishaps. Full definition
It is also possible to have lower rates if you don't have prior accident history and are also a safe driver from your teenage years. (autoquotenow.com)
Factors like age, health condition in case of health insurance, and accident history if it is related auto insurance are necessary. (autoquotenow.com)