Driving History

Does my boyfriend have the right to know about the 3 points against me?

Once you or the policyholder provides your driver’s license information to the agent, the agent will run the proper reports which will include driver history and points incurred within the last 5 years. It is assumed that once personal information like a driver's license is given and reports are run, the agent has the right to talk to the policyholder about what is found. 

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Eligibility

Do I need to report a fix-it ticket when applying for new auto insurance?

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR).

General Insurance

Should my husband and I have separate auto insurance policies?

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.

Coverage & Claims

Can a dismissed ticket affect my insurance?

The only likely scenario in which a dropped ticket would still affect you would be if there was an accident involved. If the ticket was dropped, but your insurance company paid out to any party for a claim, the accident would still show.

General Insurance

I got a ticket driving a friend's car. I have my license but did not yet have personal insurance. I’m going tomorrow to get it, will they know?

You should be fine as far as any insurance-related issues with the vehicle go. The state checks the VIN of the insured vehicle and not the listed drivers.

Driving History

If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?

Every state shares all info when it comes to driving records. The speeding ticket will show up on your license when insurance companies run your MVR — which is used as a reference in all 50 states.

Driving History

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 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.

Coverage & Claims

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

General Insurance

Would I avoid the penalties of a ticket for failing to provide proof of insurance if I got insurance before my court date?

Unfortunately, you likely won't be able to avoid any penalty for not having insurance. I would still recommend going to court with insurance — your judgment might be less severe if you resolve your uninsured status versus still being uninsured by the time your court date comes around.

General Insurance

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.

General Insurance

Is it necessary to report to my insurance company that I got a citation for improper starting?

No, you don't have to report to your insurance company that you received a citation. But when it comes time to renew the policy, your insurance company will check your MVR (motor vehicle report) and probably raise your premium accordingly upon seeing the ticket.
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