My boyfriend is not on the policy but he got a speeding ticket in my car (legally my father's). I gave the officer my proof of insurance and he just handed it back but I don't exactly know what my polcy has. But, in general, would my parents insurance go up and what would happen if my boyfriend doesn't have insurance?
2006-11-09 13:56:26 · 14 answers · asked by samnsugar27 1 in Business & Finance ➔ Insurance
He should pay the speeding ticket . . .
Insurance usually doesn't have anything to do with speeding tickets.
2006-11-09 13:59:00 · answer #1 · answered by a_blue_grey_mist 7 · 0⤊ 2⤋
There are a few things to know about insurance that will help you answer this question.
Insurance follows the car, not the driver. Had your boyfriend wrecked the car, your father's insurance would have paid the damages irrespective of whether or not he had his own insurance. He is, by definition of most auto policies, an insured driver as soon as you gave him permission to drive and handed him the keys.
Speeding tickets are not automatically reported to insurance companies. In order to discover driving activity, the insurance carrier has to order an MVR, which is really expensive when you're talking about hundreds of thousands or millions of policy holders.
Your father's policy is not in any way, shape or form affected by your boyfriend getting a ticket. Had there been an accident, the insurance company would have asked for information about him (i.e. is he in the household? how often does he operate the vehicle?), but so long as there was no real issue (driving drunk, for example, would be an issue), the company would pay the claim and move on.
If your boyfriend has a car, but is driving it without insurance, that's a real problem. People's lives are ruined when uninsured motorists hit other folks, injure them, and then have no financial contribution to help them after the accident. If this is the case, encourage him to purchase insurance.
If he frequently drives other folk's vehicles, but doesn't own his own car, he can purchase what's called a Named Non-Owner Policy, which provides all the benefits of insurance without covering a specific car.
Hope this helps!
2006-11-10 15:21:20 · answer #2 · answered by cassee_ame 2 · 0⤊ 0⤋
Crucial question here . . . does your boyfriend live with you or your parents? And another crucial question - how often does he use the car?
As long as he isn't a listed driver, the insurance won't go up. But if he lives with you and/or your parents, he's then a household member - and the insurance doesn't have to cover the car if he is in an accident, and isn't listed. If he uses the car at least once a month, even if he doesn't live in the same household, then he's a regular operator.
Some policies will exclude all coverage if he's not listed. That means, not only will the car itself not be covered, but your father will be writing a check for the other person's car, AND all their injuries.
As an aside, that makes your boyfriend (assuming he's a household member or regular operator) an uninsured operator - and if he IS in an uninsured accident, he'll be required to get a SR-22 (very expensive) endorsement in order to keep his license.
2006-11-09 14:07:14 · answer #3 · answered by Anonymous 7 · 0⤊ 2⤋
Your insurance would not be involved in the speeding ticket.
However, the DMV may report the speeding ticket under your parent's plate number and your insurance carrier will add your boyfriend as a driver of the vehicle. That will raise your insurance. It is then the burden of proof on you to tell the insurance company that he doesn't drive the car regularly (unless he does, in which case he remain on the policy). And proving that is rather difficult sometimes.
2006-11-09 14:23:45 · answer #4 · answered by jerry 5 · 0⤊ 2⤋
Insurance should not be affected by the speeding ticket. Tell you boyfriend to pay the ticket. If and when he gets insurance for himself on a car, he'll have to pay premiums based on his own driving record.
2006-11-10 09:07:13 · answer #5 · answered by LesElle 3 · 0⤊ 0⤋
His ticket has nothing to do with the yours/your father's insurance. The ticket can put points on his license, and any carrier he gets insurance through will run his record. But if he's not insured under you/your dad's policy it won't be discovered.
2006-11-11 03:19:42 · answer #6 · answered by Chris 5 · 0⤊ 0⤋
Your boyfriend will be surcharged on the insurance policy that he is listed as a driver on. If he is listed on your insurance policy as a driver, then the rates will go up. If he is not listed on your policy, then your policy can't legally be surcharged. The ticket goes on his motor vehicle report, and it can't be charged to your policy if he is not a listed driver.
A few years ago I had a speeding ticket in my boyfriend's car (which I was not listed as a driver to), and his rates did not go up. My rates went up on my own car insurance.
2006-11-09 14:31:34 · answer #7 · answered by Rexy 3 · 0⤊ 0⤋
Your boyfriend doesn't need to have insurance to drive your father's car, your father does.
The speeding ticket, on the other hand, will go on your boyfriend's license and can affect his rates when he goes to get insurance (I hope you mean he doesn't have it because he doesn't have a car now).
2006-11-09 13:59:05 · answer #8 · answered by EQ 6 · 1⤊ 0⤋
Insurance claims follow the vehicle, not the driver. However, a moving violation will first and foremost affect your boyfriend's driving record. I really don't know if this will affect your parents' insurance. You could call and ask an insurance agent or visit someplace like Geico.com and submit a query. At any rate, what crappy luck! Good luck.
2006-11-09 14:01:09 · answer #9 · answered by fearslady 4 · 0⤊ 2⤋
In Ohio anyway, I believe the ticket would end up as points on your boyfriend's license. I don't think his ticket has anything to do with the car he was driving. I MAY be wrong, but I don't think I am.
2006-11-09 13:59:10 · answer #10 · answered by bibliophile31 6 · 1⤊ 0⤋