Do Speeding Tickets Show Up on Your Insurance?
With the advancement of red-light cameras and speed cameras, receiving speeding tickets is more likely now than in the past. Receiving a speeding ticket can come with heavy dollar penalties and points against your license. If your insurance company checks your driving records and finds any speeding ticket convictions, you may face a hefty increase in your premium. Whether it completes this check depends on the company, the timing of your ticket and if your conviction is tied to multiple points and other violations.
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New Insurance
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When you seek a new insurance policy, insurers will ask about your driving history for the past five or so years. You need to respond honestly, because mostly likely, the insurer will follow up before issuing you a quote or policy. The insurance company will check your record in any states you lived in within the past five years.
Current Insurance
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When you receive a speeding ticket, your current insurance company may not know. No one is obligated to tell it you received a ticket. It is possible that it will never find out, especially if you have a clean driving record besides this and do not file any claims. Insurers may complete random checks or a check upon policy renewal time, but this does not always occur. Your speeding tickets may never show up on your insurance or affect your premium.
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Forgiveness
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Many auto insurance companies maintain a "forgiveness" policy. This applies especially to accidents but can extend to speeding violations and other points. If you have had a clean driving record with the insurer for the past several years, it may agree to keep your premium amount the same, even if you get into an accident or receive a violation. Depending on how much over the speed limit you were traveling, the insurer may not raise your rates but request that you attend driving school instead.
Bottom Line
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The bottom line is speeding tickets may or may not show up on your insurance and effect your rates. If you receive several tickets or tickets in conjunction with an accident, your insurer can find out about them. If you receive speeding tickets near the time of your policy renewal or you are seeking a new policy, chances are your insurer will check your record and see them. If you are guilty of a speeding ticket but have an excellent driving record, you may want to contact your insurer to discuss forgiveness and any steps you can take to avoid a premium increase.
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