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Insurance companies are all about risk. If they perceive that you are doing something that qualifies you as being in a higher risk category, they can do whatever they want. On the one hand, they want your money. On the other hand, they don't want to pay out. So they assess risk and use that to keep expenses down.

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โˆ™ 2006-03-21 15:44:57
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Q: Can insurance company apply points that are deemed nonapplicable?
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Related questions

How do insurance companies get notified of points?

The DMV submits it to the insurance company.


Does traffic school keep the point off your insurance record?

The point system of insurance company's is different than DMV points. If you have a no-point speeding violation on your MVR your insurance company can still have points on your insurance records. Check with the insurance company.


If a first offense no seatbelt ticket in New York is received are points added on your license?

No this is not. This could be points for your insurance though. These "points" are different from company to company.


What is the number of points you are allowed to have before insurance companies deny your claim for auto insurance?

The number of points have nothing to do with an insurance claim. If you are asking about a company refusing to give you auto insurance, it depends on your state and the individual insurance company. For example I have received reports of one company refusing to renew any driver with a 20mph over the limit ticket.


If you have 2 points on your license for speeding in Ohio how much will Insurance increase your premium?

The increase in your insurance payments vary from company to company. Call your insurance agent, they can give you an estimate.


Can an insurance company still charge you a surcharge or increase your premium if you get a speeding ticket reduced to 0 points in NJ?

Yes. There is a difference between driver's license points and insurance points. Anything that is on your MVR can raise your insurance rates.


How much will your insurance premium go up if you have just 2 points?

Among other things it depends on your current insurance company. Also, see if your company will "erase" the points if you attend a driver improvement class.


How much does 2 points on your license raise your insurance?

Points on your license does not automatically raise your insurance until the insurance company looks at your record. This usually only happens when you change your policy or have an accident.


How will 3 points affect your insurance rates?

Depending on wich states and your insurance company, it may double.. mine did


How long does it take local police to report your points to your insurance company?

In most cases it is not local police that report points on a license to the insurance company. The points assessed on a driver's license are reported to the state by the courts after the court decides punishment. The state then reports points to an insurance company. This could take 2 to 3 weeks, unless the license is immediately revoked, then the state is informed within 1 to 3 days.


If your son wrecks your car who gets insurance points you or him?

Your son will get points on his driving record since he had the accident. You will get points added to your risk factor on your insurance policy since your insurance paid the claim. The owner of the vehicle will get the increase but removing your son may fix that. Every insurance system is diferent. Best to check with your insurance company.


You got a speeding ticket but in Connecticut you get no points for that will your insurance go up now?

If the violation shows on your drivers transcript, the insurance company has the ability to charge a surcharge points or not. Not all motor vehicle violations carry points.


If you go to court to fight a illegal turn and have your points dropped but still have to pay the fine Is your insurance company notified and would 3 points in PA make your insurance go up?

Most of the time this type of extorsion is not reported to the insurance company. I don't use the word 'extorsion' losely.


How long do insurance points stay on a policy in Massachusetts?

You need to contact your agent or the policy services dept. of your insurance company and they will be able to answer this question for you.


How long do points stay on a car insurance policy?

They stay on, for 3 yrs or whenever the insurance company renews they re-run your driving record.


How much will your insurance rate go up if 8 points is added?

8 points is usually a very serious violation but there is no answer to your question. Your insurance is based on many things and each insurance company underwrites their policies differently. You may find that the rates may only increase a small amount all the way to having your insurance company decide to non-renew your policy.


Can an insurance company in NJ continue to charge a surcharge for an accident even if insurance points were reduced to 0?

Get proof from the vehicle department and drop it on your broker's desk.


Will your car insurance go up if you recived an infraction that carrys no points?

Depends on the insurance company. Call your agent they are paid by you to let you know of any increases.


If you are at fault and opt for a driver's course to remove the points from your license does it also remove the points from your insurance policy?

Probably not. Although the insurance company may give you a discount for taking the course, it will probably be much less than the amount your insurance went up after the accident.


How long do points stay on your license for no insurance?

when do points come of license for insurance


You have three points on your car driving license will this affect your motorbike insurance?

It very well might. However, it depends upon what insurance company covers your motorbike. Also of importance is the nature of the offenses that caused the assessment of the points.


Do points from a pa speeding ticket carry over to Maryland?

Maryland will post it to your record for the insurance company to see but will not put any points against your license.


How much will your insurance raise now that you have 2 points on your driver license. Will 2 points on your license in Michigan cause your insurance to go up?

Yes your insurance rate will go up if you have accumulated 2 points against you on your driving record. The amount of rate increase is determined by your Insurers underwriting guidelines. The amount of rate increase will vary depending on who your insurance company is.


How do you find out how many points you have on your driving record?

Your insurance company will provide you with a written record of your driving credits by request.


How many points does insurance count for suspended drivers license and how long does it stay on record with insurance company in Arizona?

A suspension of the drivers license will be visible for 5 years on your driving record and doesn't show up as any points.