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Driving History

How does reporting a Not-At-Fault accident affect my future premium?

In California, you shouldn't see any difference in your premium because of an accident designated as "Not At Fault" on your driving record. Your driving record is important and valuable to insurance companies because they want to know about any incident where you filed a claim within a certain time frame, regardless of fault.

Driving History

Is it worth it to argue your ticket in court?

The fine for traffic violations can range from minor to significant based on your state and the type of violation with which you are charged. In addition to the fine, the cost of your insurance policy is likely to be affected by the ticket for 3 years from the date of the violation.

Driving History

If I get a ticket in another state, do I have to pay it?

Pay the ticket! Violations issued by police are reported to that particular state's DMV. An unpaid ticket can create all sorts of issues from a suspended license in your current state, inability to renew an expired license, and even a warrant in the state where the ticket was issued.

Driving History

Can I buy a policy for two drivers and one car so that we aren't penalized for each other's driving history?

Driving records follow each individual driver. When multiple drivers are covered by the same policy then each driver's record will impact the total cost to insure them.

Coverage & Claims
Driving History

Can I reinstate a cancelled policy?

It is certainly possible that your insurance company will allow you to reinstate your policy, but there is likely a cut-off date so you should contact them ASAP to inquire about reinstating your coverage. Often times when a policy is cancelled for non-payment, the customer has a grace period to make payment and keep the policy active.

Driving History

If I wreck a friend's car, do I have to tell them about it?

I'm sorry to hear about your accident and I hope that you were not injured. That being said, being dishonest about an accident is never a good idea.

Driving History

Do parking tickets affect insurance?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Parking tickets do not get reported to your state's DMV so this type of ticket won't affect your insurance rate. One major caveat is whether or not you pay off the ticket.

Car Insurance Costs
Driving History

How much do car insurance rates go up after a DUI?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
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