Coverage & Claims

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.

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How can I get insurance with a not so good driving record?

Unfortunately the decreasing of points on your license doesn't necessarily translate to lower insurance rates, because the original ticket itself is still on your record. If you happen to have tickets actually dropped from your driving record then that would lead to lower rates. Tickets impact your rate for 3 years, so once the tickets pass the 3 year mark in 2018 then you should see a significant drop in the insurance premiums available to you.

Driving History

How do I get my insurance company to stop charging me for a ticket that was expunged from my record?

If you are being charged for a ticket that has already been removed from your record, you may be required to show proof to your insurance company that the ticket has been dropped. If the ticket has been dropped and your insurance company will not lower your rate, you should consider shopping with a new insurance company.

Eligibility

What is the best way to find an insurance policy with a bad driving record?

There are 2 things I can recommend that should lead you to success: 1st - Quote with as many companies as possible. 2nd - Disclose everything on your driving record when quoting.

Driving History

What can I do if a ticket is listed on my driving record but I was never issued a ticket?

Your best bet would be to request a copy of your driving record from the DMV and see what is listed. If you see something that is not supposed to be on there you may be able to dispute the ticket with the courts.

Eligibility

Does a criminal record affect your insurance?

A non-driving felony conviction most likely won't affect your rate, but it could make you ineligible for a policy with certain companies. Since you are already aware of the incident, you will want to disclose this when you call a company for a quote so they can let you know up front if that will create an issue.
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