Ultimately, the driver is responsible for everything that happens while the vehicle is moving. The DRIVER is supposed to verify that the vehicle he is driving has insurance.
I have been in this position, as the owner of the vehicle. And trust me it is the owner that gets the huge fine.
The person who gets a ticket for a moving violation is the person who will be affected on their insurance rates. Your insurer checks your driving record. They have no way of checking who else may have received a ticket while driving your vehicle.
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.
An exhibition driving ticket is likely to increase your insurance rates. You need to call your insurance company and let the know about your ticket.
If you have not received a ticket, then NO! If you received a ticket they know already. If you are applying for insurance and received a ticket for reckless driving, then the answer is yes!
Yes, a ticket for driving with no child restraints when it is needed will cause issues with a persons car insurance. It could raise the monthly charge, however, it depends on the contract between the policy owner and the driver.
A no insurance ticket becomes part of your overall driving record and can and will be used to determine rates for any insurnce policy you have or want to have.
The driver will get the ticket.
If you don't have insurance how will it go against your insurance?
You get a ticket.
The speeding ticket is a separate issue. If you don't have insurance you get done for driving without insurance, speeding or not.
If the ticket was issued to his name then NO, it will not effect your insurance rate.