If a ticket on my record passes 3 years, is my company required to lower my rate?

I received a cell phone ticket 3 years ago, but my agent says it will affect my rate for 3 years and 2 months. Is this legal or are they supposed to lower my rate once the ticket is older than 3 years?

Jun 16, 2017 Bronx, NY

Neil Richardson

Jun 16, 2017

Tickets should only be chargeable for 3 years from the issue date. However, some companies will not adjust your rate until your policy renews which is likely what your agent was referring to. Yes, this is legal even if it seems a bit unfair, but there is something you can do about it. You can stick it out with your company and you should see a decrease at your renewal, or you can switch to a new company and no longer be charged for the ticket. If you're unhappy with your company, we always recommend shopping with as many companies as possible to find the best option.

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