09/04/2026
What happens after an at-fault accident?
If you're found 100% at fault, you'll lose 6 SGI Safety Rating points.
If you have no other driving offences, you'll earn back 1 point per year. If your driving record stays clean, those points will typically affect you for about 3 years.
Your Safety Rating also affects what you pay for vehicle registration. As you earn points back, the additional cost gradually decreases.
Example (based on $1,200 annual registration):
• Year 1: +$72
• Year 2: +$60
• Year 3: +$48
If your Safety Rating is already low or in the negative, different criteria and penalties may apply. You can check your current Personal Safety Rating directly through SGI.