will insurance still able to view my previous ticket record and raise my car insurance?

Question

I got a ticket in April of 2004. I paid the fine and went to traffic school.
Just two days ago, i got a ticket for speeding (48 at a 35 limit).

1) will I still able to go to traffic school for this ticket? (I'm in CA, my friend told me we are allowed to take traffic school if it's over 18 months since the last citation, is this correct)?

2) i read some yahoo answer on car insurance and someone is saying the insurance company will still able to view the previous citation and raise the car insurance if we get the second citation within 3 years of the 1st one. the point will be unmasked for insurance company to see. is this true?

3) if it is true, does that mean even if i'm able to go to traffic school for my second citation, the insurance company can still raise car insurance for my 1st citation?

Answer 1

Two separate questions:

1) The DMV generally counts violations within a three year period only, with the exception of major stuff like DUI. You should be able to take a course to reduce your points. Incidentally, time begins counting only after conviction, not from the day you get the ticket. So you can reduce your total points just by requesting a hearing, which will move you beyond 3 years from the first ticket. Then go to class, and you're done with the DMV.

2) Your insurance company is notified whenever you get a violation, and they can retain records a longer time. Five years is typical. Your insurance company may honor the class for good driver rates, but if you have another ticket or accident, all bets are off. So yes, your insurance premium is at risk.

Answer 2

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RE Will insurance still able to view my previous ticket record and raise my car insurance?

I got a ticket in April of 2004. I paid the fine and went to traffic school.
Just two days ago, i got a ticket for speeding (48 at a 35 limit).

1) will I still able to go to traffic school for this ticket? (I'm in CA, my friend told me we are allowed to take traffic school if it's over 18 months since the last citation, is this correct)?

2) i read some yahoo answer on car insurance and someone is saying the insurance company will still able to view the previous citation and raise the car insurance if we get the second citation within 3 years of the 1st one. the point will be unmasked for insurance company to see. is this true?

3) if it is true, does that mean even if i'm able to go to traffic school for my second citation, the insurance company can still raise car insurance for my 1st citation?

Answer 3

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RE Will insurance still able to view my previous ticket record and raise my car insurance?

I got a ticket in April of 2004. I paid the fine and went to traffic school. Just two days ago, i got a ticket for speeding (48 at a 35 limit). 1) will I still able to go to ...show more

Answer 4

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RE :Will insurance still able to view my previous ticket record and raise my car insurance?
I got a ticket in April of 2004. I paid the fine and went to traffic school.
Just two days ago, i got a ticket for speeding (48 at a 35 limit).

1) will I still able to go to traffic school for this ticket? (I'm in CA, my friend told me we are allowed to take traffic school if it's over 18 months since the last citation, is this correct)?

2) i read some yahoo answer on car insurance and someone is saying the insurance company will still able to view the previous citation and raise the car insurance if we get the second citation within 3 years of the 1st one. the point will be unmasked for insurance company to see. is this true?

3) if it is true, does that mean even if i'm able to go to traffic school for my second citation, the insurance company can still raise car insurance for my 1st citation?
Follow 9 answers

Answer 5

From the CA DMV FAQ:
* Most convictions of traffic offenses, such as hit and run, reckless driving, and driving under the influence (DUI) will remain on your record for 10 years from the violation date and count as 2 points.
* Most other traffic offense convictions will remain on your record for 3 years from the violation date and count as 1 point.
* Accidents are reported for 3 years from the accident date. If you are found to be at fault, the accident normally counts as 1 point.
* Actions taken against your driving privilege, such as a suspension or revocation due to a DUI or a failure to provide proof of financial responsibility, will be reported for 3 years from the proof termination date or the reinstatement date, whichever is earlier.
* A Failure To Appear for DUI offenses will be reported for 10 years from the violation date. All other Failure To Appears and Failure to Pay fines will be reported for 5 years from the violation date.
My guess is that, like most states, there is a record you get when you want a driving job (3yrs) , one for your insurance agent (5 yrs) and one for the judge to look at in traffic court (just about indefinite - as long as you've had your license in most states that have digitized their records).

Answer 6

It is my understanding that if you go to traffic school, that incident does not count against your driving record. Each state has it's own law regarding how often one can go to traffic school. Good luck and try to pay attention to speed limits. I learned the hard way too!!!

Answer 7

Car insurance agencies have full access to your DMV record, and as far as I know, DMV notifies your insurance company if you get a new ticket.

Answer 8

certainly relies upon on the state or city the place you reside. Many furnish a deferral application. You dont plead responsible, yet you pay the cost for this methodology. circulate a 365 days without yet another violation, the value ticket falls out of your checklist and is not suggested on your coverage.

Answer 9

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Answer 10

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