I want to change my Auto Insurance provider. I am filling in a new application which asks for any previous violations. I got a speeding ticket 20 days ago. If I do not specify this fact, is it OK?
Will they reject my insurance? (They will look my history and find it anyway. But just want to take a chance by not specifying it myself)
2007-11-30 05:54:49 · 10 answers · asked by chaiku1000 1 in Cars & Transportation ➔ Insurance & Registration
I haven't paid the ticket yet. I have 17 more days to go.
2007-11-30 06:30:25 · update #1
As I haven't paid the ticket yet, will the ins company find it out?
2007-11-30 06:33:19 · update #2
In case I notified my ticket in application, but they couldn't find anything in my record, will they ignore my violation?
2007-11-30 06:35:11 · update #3
Of course they'll find it (that's their job), and will then reject you (or cancel your insurance) for providing false information. Just be honest.
2007-11-30 06:03:13 · answer #1 · answered by Anonymous · 0⤊ 0⤋
1
2016-09-25 01:49:30 · answer #2 · answered by Meghan 3 · 0⤊ 0⤋
Stop and think about this for just a second. How do you react when you have found someone has lied to you? Why do you feel that you need to change insurance companies? If it is because you are paying to much money now? Then by all means do so. But do not hide the ticket. It will come back and bite you. Then you will be looking for another insurance company again.
2007-11-30 07:50:34 · answer #3 · answered by Big Deal Maker 7 · 0⤊ 0⤋
If the the ticket isnt showing up yet, and you knowingly fail to list it, this it what may happen.
Many insurance companies use tiers, better drivers with better credit go on a top shelf, a seperate company within the company if you will. Perhaps, "Mutual"
Those with many accidents, violations, and poor credit go on the bottom rung company within the company, where they pay a heck of alot more for less coverage. "nonstandard"
and those with minor violations, not at fault accidents, so so credit get placed elsewhere too. "fire and casulity"
Now you tell them you dont have accidents and they put you in the "appropate" tier, they run a random mvr in 2 weeks, and then you are no longer eligable for coverage with the mutual or fire and casuality company and need to be cancelled, and rewritten in a lower tier "nonstandard" company.
You get a letter in the mail next month and they are going to cancel you, oh, they will rewrite you but for the real $$ premium.
*******
If the ticket IS showing up now, you fail to disclose this info, they tell you this is how much it costs for your policy, then in 2 weeks they run you mvr, and a bill in the mail, for an extra $300. or when you get to the office to sign the paperwork they tell you its going to be $75 more each month.
Then you get mad.
2007-11-30 08:07:25 · answer #4 · answered by ktlove 4 · 0⤊ 0⤋
Farmers offers a discount to college graduates? I had no idea. Anyway. Here are your answers: 1. They attach it to your application file, and apply the discount. 2. No. 3. I have no idea - I've never heard of an insurance company offering a discount to college graduates. I'd ask the agent, how MUCH is the discount? 4. No. The only time they'd verify something like that, is if it's material to a big claim, and they suspect fraud. Something like a 'good student discount' or college grad discount isn't going to be material enough to matter. IMO.
2016-05-27 00:21:12 · answer #5 · answered by dorothy 3 · 0⤊ 0⤋
Always be up front and honest w/ your insurance company, especially on the application.
The insurance company will run you motor vehicle record and they will see that you LIED on the application. Depending on the policy, the least that could happen would be an increase in your premium, or they can rescind your policy and refund your money to you.
Go ahead and take your chance, see where it gets ya
2007-11-30 06:03:35 · answer #6 · answered by ♥ Uwish ♥ 6 · 0⤊ 0⤋
Yes you can get into trouble for not saying that because they will find out when they run an underwriting report with shows your dmv violation information.
Just be up front and honest with them. Don't let it bite you in the butt later.
2007-11-30 11:15:48 · answer #7 · answered by PG with #3 5 · 0⤊ 0⤋
they will find it. then they will do one of two things. 1) jack your rate up for the points, or 2) cancel your policy for not disclosing the fact
2007-12-01 02:06:48 · answer #8 · answered by Queen B 6 · 0⤊ 0⤋
THEY WILL FIND OUT LATER AND THEY CAN BACK CHARGE YOU THE DIFFERENCE FOR THIS.
2007-11-30 08:42:17 · answer #9 · answered by Anonymous · 0⤊ 0⤋
they will not see it until you pay it so hurry up
2007-11-30 05:58:54 · answer #10 · answered by Anonymous · 0⤊ 0⤋