It depends which record you are talking about. Penndot keeps the motor vehicle records (MVR)- which may or may not contain accident information. If an accident is listed on your motor vehicle record it does not indicate fault but is assumed to be at fault by insurance companies unless supporting documentation is provided. Major violations such as DUI, reckless driving, vehicular homicide, etc are applicable to insurance rates for at least 5 years. One note is that even if you dont have any "points" on your license, if you have a violation within 3 years the insurance company can and will use it to determine rates. The other record is an insurance company database called CLUE. It is reported by insurance companies and simply lists claims with date, amount paid and coverage paid under, and sometimes a VIN number of vehicle involved. In Pennsylvania companies can use the previous 5 years but some use only 3 years of history. You should always keep any documents related to claims or accidents to provide proof to insurance companies if an accident was not your fault.
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.
In Pennsylvania, three (3) points are removed from a driving record for every 12 consecutive months a person drives (from the date of the last violation) without a violation which results in points, license suspension or revocation. Once a driving record is reduced to zero and remains at zero points for 12 consecutive months, any further accumulation of points is treated as the first accumulation of points. http://www.dmv.state.pa.us/pdotforms/fact_sheets/pub472.pdf
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