I have state farms here in oregon and just got my first ticket ever for running a yellow light would that effect my insurance and do I have to report it or is it .... nicely..... done for me already?
2007-01-25 19:18:08 · 10 answers · asked by destineypyle 4 in Business & Finance ➔ Insurance
http://www.statefarm.com/insurance/auto_insurance/ins_auto_price.asp
this is all I could find and I didn't find anything about tickets :/
2007-01-25 19:20:38 · update #1
I happen to work for the company in question (although in a difference state). If this is your first ticket and the other drivers in your household have had good records it isn't likely to affect your current policy. State Farm does NOT pull your driving record at every renewal, I have seen some clients who haven't had an MVR pulled for 10 years! This doesn't mean it CANT happen. Look at your insurance cards, if you are in State Farm Mutual then even if we pull your records you are not going to have a change in premium (just don't continue to get tickets and start getting into accidents! They just don't want it to become a habit) if you are in State Farm Fire and Casualty company and they pull your record then you may see an increase in your following renewal on the vehicle that you are rated on (it won't affect all vehicles in the household). Just drive safe!
2007-01-28 05:02:26 · answer #1 · answered by AriesJWR 4 · 0⤊ 0⤋
Call your agent and ask. It depends on the company. Some companies charge each and every violation. Some don't. The ticket will show up the next time the company orders an MVR, motor vehicle report.
I always tell my insurance clients to try and fight tickets and if they are dismissed GET IT IN WRITING. Many times people are told that the ticket won't show up on their record, but it does. If they get the proof of dismissal at the time it is dismissed, they will have it if they need it. In Tennessee a ticket stays on your record for 3 years and it can be charged 3 years on an insurance policy.
2007-01-26 10:05:12 · answer #2 · answered by mei-lin 5 · 1⤊ 0⤋
A ticket for a moving violation may not affect an existing policy for a while, & sometimes companies will allow one depending on what the underwriting rules are for the company.
Tickets are not reported to insurance companies regardless of going to court. If you just pay it, or go to court & lose, it goes on your driving record.
A company only learns of it when they pull a new record. Some do this every six months or yearly. Many of the big cos (like SF) only do it every few years unless you have an accident which usually causes them to do it right then.
You have no requirement to report it, don't!!
2007-01-26 05:38:10 · answer #3 · answered by SantaBud 6 · 1⤊ 0⤋
A ticket/moving violation will stay on your MVR (motor vehicle report) for 39 months. Your existing policy shouldn't be effected. But if you try to remarket your coverage to another company it will show up and have some effect on the new premium.
In other words, stay where you are for a while! :)
2007-01-26 08:20:16 · answer #4 · answered by van_at_lincoln 3 · 0⤊ 1⤋
you can check the experience period for OR by going to the DOI website. Each company is different on how they treat moving violations but typically they will order a new MVR upon every renewal and will assign those for the next three years.
2007-01-26 09:22:09 · answer #5 · answered by greid13 2 · 0⤊ 0⤋
You don't have to report it - they'll do it for you. They WILL pull a copy of your MVR, where the ticket will probably show.
Usually, the first ticket is "forgiven" and doesn't affect your costs.
2007-01-26 09:15:07 · answer #6 · answered by Anonymous 7 · 1⤊ 0⤋
yes a ticket will effect your insurance a little bit
2007-01-26 03:27:23 · answer #7 · answered by Anonymous · 0⤊ 0⤋
If you have points on your license then your insurance will go up at the renewal of your policy.
2007-01-26 10:12:16 · answer #8 · answered by zippythejessi 7 · 0⤊ 0⤋
Well I dont think so...(in Canada it does not)
Its only if u crash ur car! Stay safe ciao
2007-01-26 03:33:33 · answer #9 · answered by Spyro k 1 · 0⤊ 0⤋
unless you have to go to court i dont think its reported to your ins.
2007-01-26 03:25:39 · answer #10 · answered by Anonymous · 0⤊ 0⤋