When applying for car insurance do you have to report a wreck/ticket erased because you took class?

Question

Had a car wreck and ticketed for following too close. My car was totaled and it was almost 3 years ago. I was told if it was more than 3 years you did not have to report it. I'm Applying for insurance through another company. In illinois a ticket is wiped off if you take a special class, which I did, so the ticket was dropped. Do I have to report the wreck/ticket on the application?

Answer 1

If the ticket was "set aside" pending the completion of a class, and you took the class, then you really did not get a ticket. In other words, you don't have to report it.

If you had insurance on the vehicle that was totaled in the accident where you got the ticket, there is a chance that the insurance company where you are applying will find out. Not a big deal. You can tell them after the fact that the ticket was set aside until you completed your course. Just wait to do that until they call you on it. Underwriters should be familiar with the way things work in the IL.

Good luck

Answer 2

2

Answer 3

depends on the state regulations. some max at 3 years others are 5. It really doesn't matter though. They know. They use an information service which compiles all the information on your record and they report in events such as your wreck. Doesn't matter which company you had or are going to. It's like a credit score, it will follow you wherever you go. Even if it is off of the states books, they still know. If you lie to them and they find out they may not cover you in your next collision claiming that you gave false information, their rates were based on a certain level of risk, you were of a different level of risk.... they don't have to pay.

If it is beyond the 3 year mark and that is the limit in your state it would be illegal for them to make adjustments to your rates because of it.

Answer 4

The ticket should go off your record in most states. When applying for auto insurance quotes at http://www.nationwidebillrelief.com/autoinsurance.html they ask for the past 5 years. To get the most accurate quotes you should always be honest about your driving record.

Answer 5

If you took the class, the ticket will not show on your record. When you take one of the classes the case is ultimately dropped. So the answer is no.

Answer 6

The regulation is once you've a vehicle, then you really must have vehicle coverage. there is no regulation that you ought to have a vehicle. additionally they do no longer count number the cost of determining to purchase cigarettes, even although there's a regulation that in case you smoke, then you really ought to pay for the cigarettes; the regulation says that you're literally not allowed to scouse borrow them. similar theory. vehicle coverage is between the expenditures that effects out of your determination to have some thing that the regulation says you could not have with out paying. that's no longer an cost mandatory for residing, because you've the alternative to do not have any vehicle. in case you opt to whinge about how welfare and foodstamps artwork, you ought to contact Obama, yet i do not advise it. he's already getting courtroom circumstances from those on the right who in basic terms opt to end the courses thoroughly, so no you'll stick with. conserving issues the way they are is with out doubt one among the most acceptable you could wish to get.

Answer 7

The best thing for you to do, would be to call the Illinois RMV and ask them if you should report this on the application for insurance. The local police will no doubt tell you "yes" you do have to. If you call the RMV, be sure to ask for, and record the person's name with whom you spoke. For reference later, should you need it.

Answer 8

no, because it won't be on your record.