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How many points will you get if you had a car accident and it totaled your car but you did not receive a ticket and insurance did not have to pay?

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2015-07-16 18:21:35
2015-07-16 18:21:35

If you didn't receive a ticket, then you won't get any points.

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Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.



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.


This is normally 1 point for this type of violation unless there also was an accident involved at the same time. If there was an accident you will be charged 4 points for the total on your driving record but only 3 points for your insurance record with most insurance companies.



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.


No, if you receive a citation for impeding traffic but no points are added to your license then your insurance will not typically go up. However, if this has happened frequently and you're a habitual offender then insurance may go up.


I don't know exactly how AIG is setup but tickets and accidents usually stay on your insurance for 3yrs. During that 3yr. time frame you will have points on your insurance, the more points the higher the premium. Some companies will look back as far as 5yrs. If your accident is older than 3yrs. but still within 5 it my affect how your policy is tiered. The accident at that point my not cost you any points but because you have had a ticket or accident in the last 5yrs. you may be placed in a different tier than someone with a clean driving record because you are considered higher risk.


it might not affect you current policy but after renewal the points you received in that accident with Hurt you.



Your question makes (2) assumptions. (1) that you were cited and (2) the violation has points. Not all vehicle code violations have points associated with them. Points are only assigned by the state to your driving record (license) upon conviction. When/if your insurance company reviews your driving record and sees the accident (not the points) and that you are listed as unit or vehicle 1 (at fault) then they may charge a surcharge


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.


No: this type of ticket involves no points on your license, its just a fine.


No there is no surcharge on a hit and run accident but your deductible still stands. thanks for the question



It depends if you receive points on your license or not. No points really doesn't affect the insurance rates, but rates will increase if you receive points on your license.AnswerYes, a speeding ticket will most likely increase an insurance policy. Every year at renewal the motor vehicle report is run. If there is a ticket, the insurance company has the right to surcharge the policy (upwards of 15%) because of the ticket. The charge will depend on the severity of the ticket and it will only be applied at renewal. The surcharge will remain on the policy for three policy years.


none, you can try to fight the ticket but if you were speeding you'll lose, you will receive points for a speeding ticket, as for insurance, it will probably go up a little if you insurance co finds out.


Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.


no you wont get it taken away,unless you have 6 points however if u do get in an accident and you are at fault your insurance will go sky high (learned from experience)


In most states, whenever a motorist receives a traffic ticket or other driving violation they are assessed two different types of points: driver's license and insurance points. The schedule of points varies from state-to-state, so it's best to contact your state or local Division of Motor Vehicles.


No points if you have insurance and just failed to put it in the car, there is however a $25 dollar fee for failing to carry insurance. If on the other hand you do not have insurance on the vehicle you could be fined up to $500 dollars or spend a year in jail. You could receive 2 points off if a judge where to interpet it as a moving violation under Michigan traffic law but in most cases no points are awarded.


It will vary based on the individual insurance company and their policy. You will loose any claim-free discount and the points for the accident will be added to rate the policy up. Usually it goes up 10-15 percent for the first claim.


when do points come of license for insurance



Depends on your state, you can look at the papers you got when you bought your insurance policy



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