I'm thinking the ticket will go on your sons' record and your insurance will go up. A lisence to drive or ride is the "ticket" to having your own personal record. It's up to you if you get speeding tickets or accidents put on it. Now your insurance is your insurance with him on it and therefor it will rise.
No, the state does not notify insurance companies each time a person gets a ticket. It is up to the insurance companies to periodically get a persons driving record. Surprising to most people insurance companies don't do this all to often. It's expensive so they usually only get your record if you give them a reason to such as file a collision claim.
What should happen is if your friend has their own insurance policy on a car that they own, then the point and ticket should go on THEIR record. If you have not had any accidents or tickets and your insurance goes up quite a bit, get a copy of your record and if the ticket is there, you may have to prove it to the DMV or traffic court (not sure which) that you weren't the driver at the time. This is why you never lend your car to friends, even the good ones because something always happens.
Contrary to popular belief, Our driving records are permanent. Fortunately though, most insurance companies in the U.S. only check the last 3 to 5 years of your driving record. It never comes off your driving record. It just gets stale after a certain number of years. Depending on how many years back your insurer checks your driving record, either they will see it or they won't.
They give you a ticket and you have to prove that you have insurance or have gotten insurance, but by the time your caught, your dl is usually suspended by then. if you have a tag you have to have insurance on it. if you take off insurance it gets sent to the state and it gets suspended. if you get the notice in time you can fix it, but everytime you have this happen the reinstatement fee goes up more each time.
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