On an auto policy does one person's ticket affect the whole policy?

Question

We are a family of 4 (California). The oldest driver got a ticket for running a red light and is not eligible for driving school. Will all of our rates go up on the policy?

Answer 1

That one driver's rating will change. Insurance for that driver will be more, thus the premium on the policy in which he is included will be higher, but only if reported to the insurance company.

The company may not request an abstract on that person if they are already approved for insurance. It may be done at the time of renewal or if the person is removed and then later added to a new policy.

All drivers on your policy affect the premium. But other drivers do not affect any other drivers' ratings.

However, insurance CLAIMS do affect other drivers on the policy. If an accident occurred and a claim was made, then no matter who was driving, the policy holder will be responsible and will be affected until a specified period of time has passed.

Answer 2

In MS, where I live and work as an insurance agent. The car that is driven by the person with the ticket will go up. Not all the vechiles will change. I am not sure what the rules are for CA, you can call your agent and ask. Now, some companies will cancel a policy if the ticket was for say speeding if it was over 15 miles over the limit. I have never heard of a company canceling for a red light, unless they all ready have a violation of some kind. But if it's a first, the only car effected should be the one he drives, but call and check with your agent there. Every state has different rules and regulations. Sorry, I can't be definite on my answer. Hopefully a CA agent will answer your question too.
God bless us all...............

Answer 3

I don't understand your question. If there's just one policy, then everyone in the family is lumped together under just one rate. And if someone who is a named driver on that policy got a ticket, then yes, your rate may go up.

Answer 4

There's only one bill for the policy. The total cost of the policy is subject to being adjusted. If you're sharing the cost, pass the whole increase on to the red light runner.

Answer 5

It varies from state to state, and company to company. Sometimes they put the surcharge on the highest rated vehicle, sometimes they waive the first ticket, sometimes they divide the surcharge among all the cars.

The only way to know for sure is to call your agent.

Answer 6

it will affect the policy. But if he is not a primary driver then it will not be as much

Answer 7

Yes. If you have one policy that covers all.

Answer 8

Yes.