Judy26
Pearl Clutcher
MOTFY Bitchy Nursemaid
Posts: 2,974 
Location: NW PA
|
Post by Judy26 on Sept 15, 2014 20:34:15 GMT
DS got a speeding ticket on his way to work. He has his own car but is on our policy. If our rates are affected would it be just on his car or all cars on the policy?
|
|
|
|
Post by SnowWhite on Sept 15, 2014 20:38:20 GMT
That very much depends on your state and your insurance company. Around here, the rates only go up for tickets with points.
|
|
|
|
Post by Dori~Mama~Bear on Sept 15, 2014 20:51:38 GMT
I would ask your insurance agent.
I had 3 speeding tickets and none of them made my insurance go up. They are long gone off my record now. That was over 5 years ago when I got the last one.
|
|
Deleted
Posts: 0
Aug 18, 2025 20:12:30 GMT
|
Post by Deleted on Sept 15, 2014 20:52:06 GMT
Typically, the rate class code should only change on one driver...and that should only impact the vehicle that he operates.
|
|
|
|
Post by cecelia on Sept 15, 2014 20:55:07 GMT
Once you receive a speeding ticket, at least in my state anyway, you'll start receiving a gazillion solicitations from lawyers and driving schools. I would encourage him to attend a driving school class and have the points removed from his license and then you won't have to worry about insurance premiums rising.
|
|
Deleted
Posts: 0
Aug 18, 2025 20:12:30 GMT
|
Post by Deleted on Sept 15, 2014 20:58:30 GMT
Depends on state law. When my kids were teens it would impact the entire policy because theoretically they could drive any of the cars not just "theirs"
|
|
lindas
Pearl Clutcher
Posts: 4,488
|
Post by lindas on Sept 15, 2014 21:04:40 GMT
Once you receive a speeding ticket, at least in my state anyway, you'll start receiving a gazillion solicitations from lawyers and driving schools. I would encourage him to attend a driving school class and have the points removed from his license and then you won't have to worry about insurance premiums rising. When I worked in insurance the rate was based on the violation not the points so if the violation was on his record even without points it would affect the rate. |
|
|
|
Post by Darcy Collins on Sept 15, 2014 21:06:52 GMT
I know in our state, if he is an authorized driver on your cars, those policies can go up as well.
|
|
IAmUnoriginal
Pearl Clutcher
Posts: 2,894
Jun 25, 2014 23:27:45 GMT
|
Post by IAmUnoriginal on Sept 15, 2014 21:36:49 GMT
Ask your agent. The company I write for doesn't run an MVR for a driver already insured with us. The only time we know a ticket was given is when we receive a notice from the State that a driver received a ticket for a major offense. We get notified on DUIs, 26+ MPH over the limit and suspensions/revocations IF the state has the current insurance info on file for a driver. A regular traffic stop we never hear about.
|
|
|
|
Post by k8smom on Sept 15, 2014 21:40:09 GMT
I get a speeding ticket every couple of years without fail and I've never had it show up on my insurance. Knock on wood.
|
|
Deleted
Posts: 0
Aug 18, 2025 20:12:30 GMT
|
Post by Deleted on Sept 15, 2014 22:06:58 GMT
We just changed auto insurance and yes, all tickets (even those with no points or those taken "off" due to drivers education/defensive driving) showed up. Don't know how the underwriter decides what to count and what not to count, but was told at least in NC that only one ticket per insurance policy could get the defensive driving waiver.
|
|
tiffanytwisted
Pearl Clutcher
you can check out any time you like, but you can never leave
Posts: 4,538
|
Post by tiffanytwisted on Sept 16, 2014 2:51:38 GMT
I'll let you know in November when my son's 2 speeding tickets (and 2 fender benders) show up on our insurance.
<sigh>
|
|
