My bargain is which when we get the relocating defilement (e.g, the speeding ticket), the military or the courts or whoever will forewarn your word company. When your word association finds out as well as finds out about the points which have been right away upon your license, they lift your word premium. However, the crony tells me which he’s perceived multiform speeding tickets, which his word association has never found out (meaning no a single is notifying his word company), as well as which his reward has thus never left up. How is which possible?
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Comments: 7 comments
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craig m
July 23rd, 2009 at 9:56 am
hes got to be lying or had lawyer take his tickets to court and won!
tickets are sent to the states motor vechicle division, thats how they find out about your tickets!
TC GL
altima
July 23rd, 2009 at 9:56 am
dmv records anyone…
tonalc1
July 23rd, 2009 at 9:56 am
If you go to traffic school, the violation is not reported to the insurance company.
Your friend probably went to traffic school.
tina
July 23rd, 2009 at 9:56 am
when i got 2 speeding tickets within the same month, my insurance did not increase until a year later! for some reason that was the only time my bill was more, it went down after that
i dont know why they waited so long and how long it should increase your insurance, but it suppose to happen to anyone with a moving violation
Sue
July 23rd, 2009 at 9:56 am
The courts nor the police notify your insurance company. Insurance companies ask the DMV for copies of driving histories. Some companies pull motor vehicle records every renewal (6 months or a year). Some companies pull it every 2 or 3 years. Sometimes they only pull records when there is a young driver or claims on the policy. It all depends on the company. Some companies are not filed with the state to charge for tickets, some are. It all depends. Sometimes if there are too many speeding tickets, the company will just nonrenew the policy. Meaning, they will stop insuring the person on the renewal date.
Miss Meli
July 23rd, 2009 at 9:56 am
Great question!
Insurance companies use two reports: the CLUE and the MVR. Most companies, mine included, only rerun those reports on existing policyholders at the annual renewals. This is why in some cases, you won’t have a violation show up until a year or so later! No, the police don’t actually contact the insurance companies and tell us anything, so don’t worry about that. We have to do the looking ourselves.. insurance companies actually have to pay the DMV for that information, so they aren’t exactly going to be calling us up and giving it to us for free.
Yes, it is possible to have violations without them raising the premium. It’s not something you want to bank on. If for some reason the insurance company doesn’t rerun your reports at that annual renewal, they won’t find out about them. I have, at times, come across long-term customers of my company that went four years or so without running their driving history, so I definitely know that it can happen! Only downside is that when they pick up on their err, they do have the right to go through and charge you for them at that point.
D.L.
July 23rd, 2009 at 9:56 am
Nobody notifies your insurance company, whoever told you that is full of sh*t… When your policy comes up for renewal, the insurance company is supposed to run your MVR (motor veh record) thru the DMV, and that is how they find out. They have a program, where they run your DL#, and it tells of any violations within the last six months, or so… So if they find one, they usally raise it about I dk 5-10percent usally 10-25 bucks, depending on severity of ticket… This will stay on your rates for at 3 years…
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