How Long Do Claims Affect Your Mod?

To read more about your experience modification factor, here is a general overview and here’s a link to my other articles on ex mods.

The “experience rating” period is three policy years, excluding the most recent policy year. That means the accidents your company experienced during your 2008, 2009 and 2010 policies are still factoring into your ex mod today, and the accidents your company experiences this policy year will still factor into your ex mod for your policy in 2014, 2015 and 2016.