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Old 09-19-2012, 08:21 PM
 
1,515 posts, read 1,557,259 times
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Wife recently received a speeding ticket (55 in a 35, I know, I know). Anyway, she has had a minor accident about 4 months ago that resulted in our insurance company paying a claim.
No tickets were issued from the accident. What are her options? Will this raise our insurance premiums?
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Old 09-19-2012, 08:30 PM
 
Location: San Antonio
132 posts, read 173,637 times
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I've learned a little bit from working at an insurance agency. There is a good chance that your premiums may go up. However, there are certain insurance companies that have a sort of three strike rule when it comes to when your premiums will go up. According to a police officer I talked to recently, if your insurance company gets a police report with your name on it, there is a chance you will see an increase. You should probably talk to your agent to find out for sure.
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Old 09-19-2012, 08:32 PM
 
Location: San Antonio/Houston/Tricity
38,028 posts, read 55,817,679 times
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Depends on the Insurance company. Allstate has something like "accident forgiveness" ...
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Old 09-19-2012, 08:44 PM
 
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The accident did raise our premium slightly. My question is about the speeding ticket. Can she take defensive driving course or does this automatically report to the state? Insurance company is State Farm.
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Old 09-19-2012, 09:01 PM
 
Location: San Antonio, Tx
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As long as she takes steps to keep it off of her record (Defensive Driving, probation, etc) then the insurance company will never know about it.
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Old 09-19-2012, 09:05 PM
 
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That's what I wanted to know. Thanks.
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Old 09-20-2012, 10:04 AM
 
Location: san antonio
332 posts, read 463,361 times
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Quote:
Originally Posted by Pancho-Villa View Post
Wife recently received a speeding ticket (55 in a 35, I know, I know). Anyway, she has had a minor accident about 4 months ago that resulted in our insurance company paying a claim.
No tickets were issued from the accident. What are her options? Will this raise our insurance premiums?
ask your insurance company. people on c-d wont be able to help you with this, merely offer opinions on what might happen.


in my case, the lone accident i was involved in (dumb teenager cut me off), the police said i was at fault, but pictures and videos of the aftermath convinced my insurance co (geico) to only pay out some 36 dollars and some change to the dumb teenagers claim.

so, the system does work!
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Old 09-20-2012, 10:35 AM
 
Location: NW San Antonio
2,953 posts, read 8,629,332 times
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Definitely not raise the rate if she does DF, Prob. If there is no violation, there is no notice to insurance co on your driving record. Call the ins company about the accident, if it was minor they may not even have it posted against you.

Normally, Tickets, 1 point
Accident 2 points
DUI, 3 points

3 points in a 3 year period and your rates can escalate.
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Old 09-22-2012, 07:00 PM
 
852 posts, read 930,611 times
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You can do defensive driving once per year and pay the court fees and it won't hit your record. You can also ask the judge for deferred adjudication once per year and as long as you pay the court fees and get NO violatione for 90 days, you are golden and it never hits your record. Trust me, I know from experience, sadly. :-). I used to get a ticket once every six months and none of them ever hit my record so my insurance never went up . I've grown up since then. LOL
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Old 09-22-2012, 07:07 PM
 
Location: San Antonio/Houston/Tricity
38,028 posts, read 55,817,679 times
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Quote:
Originally Posted by SabresFanInSA View Post
As long as she takes steps to keep it off of her record (Defensive Driving, probation, etc) then the insurance company will never know about it.
Insurance - no, but cops are able to pull data back over 20 years, simply from their car computer. So next time you are pulled over for speeding, do not tell them you "never" had a ticket...
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