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Say you get a traffic ticket and, by attending traffic school, the ticket is "removed" (whatever that means) from your records. Later that year, your insurance company asks if you "received" any traffic tickets.
Does your insurance really go up if you get a speeding ticket? I thought I read somewhere it doesn't affect it?
Yes. If it's your first ticket, it shows an increase in risky behavior, and it's the only way they can track it. Sure, you're speeding 99 of 100 days, but if they only catch you once, that's good enough for them, and they love any excuse they can get to raise your insurance.
I do believe, however, that the increase is huge at first, then goes back down after 3-6 months. Increase depends on age, gender and offense, of course. Tickets are usually "dropped" from the record used for your insurance after 3 years, unless it's a DUI, DWI, Open-container or accident, which stays for longer.
The thing is, you in fact did receive a ticket. The insurance company isn't asking if there is a ticket on your record.
Most of the upfront questions is to get you close to a accurate quote/rate. They will go off of what comes off your motor vehicle report and parts of your credit report. Yup, people with bad credit pay more.
Quote:
Originally Posted by LoveBMW
Does your insurance really go up if you get a speeding ticket? I thought I read somewhere it doesn't affect it?
It depends, many wont do anything if its your fist moving violation. A basic speeding ticket may slightly increase your premium. A excessive speeding, 15+ over can cause a pretty big hit to ones wallet premium wise.
Insurance is all about risk. More damage is done to a car and property the faster one goes. If one is prone to going faster then they should, (lots of tickets), you will be paying for it. If you get several accidents, same thing. People with poor credit are a higher risk as well.
No. There is no ticket on your record as it was dismissed
Quote:
Originally Posted by 43north87west
"No."
The insurance company's response to your claim to cover your $250,000 liability in a collision you caused:
"Dear Mr. West,
Upon reviewing your claim, the XXX insurance company is denying coverage due to inaccurate information you provided to us on the questionnaire you provided to us on... Our policy, which you signed, clearly outlines that any false information provided to us negates your coverage. According to our records, [We have our ways of finding out] you received a moving violation on.....
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