2007-03-08 13:08:00 · 8 answers · asked by yea boy1 3 in Business & Finance ➔ Insurance
i live in ohio and the ticket coming up on 3 yrs is a minor accident...
2007-03-08 18:59:45 · update #1
state and nature of ticket dictates how long it is on your "driving insurnace record"
2007-03-08 14:36:37 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It depends on what STATE you live in, not what insurance company you are with. Most states hold the ticket against you from 3 - 5 years. One that I can think of off the top of my head (Massachusetts - but I don't think State Farm writes there) is 7 years.
2007-03-08 22:26:07 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
It depends on what the ticket was for. If it was a minor violation- speeding, improper lane change, etc. - it takes 3 years to come off your driving record. If it was a major violation - ticket for DUI - that takes 5 years to come off your record. However, with State Farm whether or not they are rating for the ticket depends on if your policy is in Mutual or Fire & Casualty. If your policy is in Mutual, then they don't "rate" for tickets, unless of course you have too many, then you would either be cancelled or offered a rate in Fire & Casualty.
2007-03-08 22:51:38 · answer #3 · answered by mymoon 2 · 0⤊ 0⤋
In Minnesota the ticket stays on your record (at least record accessible by the insurance company/agency) for 5 years. Typically minor tickets (speeding, seat belt, running a red light) count against you for three years (unless you have several of them) and major tickets (DWI, Reckless Driving) count against you for 5 years.
Don't know if all states do it the same, I would assume not, but it's probably similar state to state.
2007-03-09 10:09:55 · answer #4 · answered by Matt1331 2 · 0⤊ 0⤋
3 years.
2007-03-08 21:12:59 · answer #5 · answered by Steve 4 · 0⤊ 0⤋
Tickets, accidents, etc. are chargable for three years (meaning that they will be used to factor your premium as well as factoring into whether or not you qualify for "standard" rates.)
Even after the three years, when they are no longer used for rating purposes, they can still be used for as long as five years to determine rating class. In other words, you may still be stuck in non-standard rates even beyond the time you actually are charged for the incidents. You may not notice because the rates would go down if the charges were removed.
2007-03-08 22:09:03 · answer #6 · answered by ISOintelligentlife 4 · 0⤊ 0⤋
sometimes forever if your insurance company finds fault in every little thing wrong on your credit. But if they can't get away with your complaints it takes 3 years.
2007-03-08 22:29:07 · answer #7 · answered by woptie 3 · 0⤊ 0⤋
FIVE freaking years in TX. I found this out the hard way. May be different rules in other states.
2007-03-08 22:09:57 · answer #8 · answered by Tom's Mom 4 · 0⤊ 0⤋