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My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I have two reports of me speeding according to my insurance company but I never got pulled over, never went to court, never got a ticket, and never paid a fine. The only tickets I have had were for no insurance and I paid that. I also paid Michigan a driver's responsibility fee. Both speeding reports seemed to be from the same day. Is it even worth trying to get this off my record? Or am I making this a bigger headache than it should be? I already pay $1000 for PLPD insurance.

Sep 23, 2019 Garden City, MI

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error. I suggest you get a copy of your MVR report to verify your driving record. You could show them your clean MVR and they should remove the charges for the tickets. 

If it's just one insurance company showing this, it could be that their system isn't reading the information correctly and you should move on to other insurers.

If you have any questions, don't hesitate to ask.

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