please please please this is urgent.. i got pulled over in my moms car.. will it show up on insurance?

Question

i wasnt supposed to have her car and i got 2 tickets.. one for running a stop sign and the other for abusing my permit.. i plan on telling her but i dont want her insurance to go up becuz of my mistake.. HELP PLEASE

Answer 1

It will eventually.

Here's how it happens.
Once you officially plead guilty and pay your fine (how are you going to do that?) the information will go into your state's driver's license data base.
Each night, your state's DL database is tapped by a company called ChoicePoint.
ChoicePoint will get the violation information and compare the name information with the name information it has in its database.
Then on a routine basis...sometimes as quickly as the next day...sometimes as much as a month later...your insurer will get a download of all new violation information for its policyholders.

Depending on your parent's insurer, the length of time they've been insured with them and the insurer's own policies on teen driver violations, you may end up getting a letter sent to your parent notifying them of a possible premium increase.

Since you are already in the highest risk category you can be almost certain that there is going to be a very substantial premium hike.

You should volunteer to pay the extra and get a job to pay for it. While you are working away at that job....spend your free thought time working thinking about how bad a decision it was to take the car without permission and then to drive badly when you did.

Just imagine how bad it could have been if a little kid had been walking across the crosswalk of the stop sign you blew.

You should offer to take a defensive driving course and agree to place voluntary restrictions on your driving.

You should only drive to and from school and work and ONLY during daylight hours.

Under no circumstances should you use a cell phone while driving (unless it is a legitimate emergency).

And, you should not have ANY other teens in the car with you when you are driving.

Most fatal accidents involving teen drivers (either killing themself or somebody with them or another cars occupants) happen at night with other teens in the car and usually involve some sort of inattentive driving. Avoid those circumstances and you will be a safer driver.

Answer 2

The answer is "it depends."

It's a myth that insurance carriers automatically find out about every ticket you get. They don't. In fact, the only way they find out about violations (other than your telling them) is they have to order an motor vehicle report (MVR). This is usually from ChoicePoint or Explore. Insurance companies have to pay for this data; it does not coming streaming in on a weekly or monthly basis.

Depending upon your mother's insurance carrier, they may not MVR frequently (this is mostly the case with small, regional type carriers). Major carriers (national companies) will MVR drivers every 12 months or so unless there is an accident or some other indicator an MVR is warranted.

I suspect you're probably 15 years old since you were driving on a permit, which means you're probably not yet on your parent's policy. When you're added to the policy, the company probably will not order an MVR right away since it's assumed you won't get your first ticket until after you've been driving for a bit. Once you're on their policy, though, it's only a matter of time before the tickets are added.

As for the premium. Companies handle rating one of two ways. One way is for each driver is rated to a vehicle so that each vehicle has a unique price based upon the person who is listed as the regular driver. The other is for all of the drivers to be lumped together to create one "rate" that is applied to all of the vehicles. Again, this depends upon the company your mom deals with. Either way, the premium goes up.

Also depending upon the company, they may decide to non-renew your mother's coverage. While you are an "insured" because you live in the household, you did take the vehicle without permission. At worst, the insurance company may view that as theft and an indicator of future irresponsibility. At best, they'll see a youthful operator who shows a serious lack of judgement and responsibility.

Tell your mother about the tickets. If you don't show up for court, the judge may issue a bench warrant for your arrest and your license will automatically be suspended for failure to appear. If that happens, your mother's insurance can be cancelled mid-term in many states. You don't want that to happen, trust me.

Answer 3

While the other answers are correct -- your insurance will go up and not your mother's -- if you are covered under your mother's policy, then the overall premium *will* go up. So, you might want to plan to pay her for the difference.

Unfortunately, there isn't any way around this. Also, since you already have a "negative" driving record and don't even have your permanent license yet, AND you are a young driver, you will have to take steps to keep your own insurance as reasonably priced as possible. I'd recommend that you get into an accredited defensive driving course right away, it you aren't in one now. Look for one that is certified by AAA or another reputable driving association. You can get discounts in other ways -- keeping a high grade point average will also help.

Answer 4

You need to tell your Mom the truth and as much as it sucks, you need to recognize all of the wrong things you did. I'm not sure of the laws in your state but in my state, with two violations when you only have a permit you wouldn't be getting you driver's license until you were 18 or 21. Which, when you think about what happened, might not be such a bad idea. Do you have a school driver's ed teacher that could answer this for you, because as I said, it differs by state.

Answer 5

Oh, yes, this will have some NOT NICE consequences on the insurance - driving without a license, while under permit, without a licensed driver in the car is a major offense.

Depending on what state you live in, her insurance company might be able to cancel her policy for it. Count yourself LUCKY if all they do is raise her rates.

Answer 6

Yes her insurance can rise. Insurance companies will now know that her car is sometimes driven by someone who is young and reckless, and clearly inexperienced.

It may not go up, but it's certainly likely. My insurance went up when my wife got in an accident, since we lived together and there's a presumption that she could drive my car also.

Answer 7

If you are a listed driver on her policy (you should be!) then the company will find out when they draw a motor vehicle report -usually around the renewal date of the insurance.

Answer 8

The courtroom needs info that there exists a coverage of coverage that would have coated injuries to a distinctive man or woman in case you had negligently brought about those injuries jointly as utilising mom's automobile. which would be your coverage, masking you jointly as utilising non-owned autos, or it could be mom's, if she has a clause that covers negligence by different drivers jointly as utilising her automobile. the former is plenty extra in all hazard than the latter.

Answer 9

You need to tell her now and she'll let you live. If your old enough to drive- and now your old enough to take on more responsibility.
You don't even have a license yet and you already made two blunders. You need to be very, very careful. Driving is a privilage-not to be taken lightly. Give yourself a good scolding!

Answer 10

your screwed......fess up and quick