0
Why does your insurance go up if you have an accident or get a traffic ticket?
Wiki User
∙ 14y ago
Auto insurance offers some protection against risk. The company agrees to take on your risk in exchange for your premiums, the money you pay them. There has to be an actual risk covered by the company, or there can be no legal insurance contract. Even if you don't have an accident for an entire covered period, the company was covering your risk so you obviously would get no money back for that period. The money you paid goes to the payment of claims made by other policy holders. If you get into an accident, some companies will ask you to increase what you pay in premiums because the accident [or ticket] probably indicates that the company is taking on a little more risk (there may be a higher probability that you will make a future claim) by covering you. Remember, you are paying them to accept risk on your behalf.
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
What would make your auto insurance go up?
If you get into an accident or get a speeding ticket your insurance will go up. I'm not sure about other traffic violations but speeding will.
What should you do if you left your insurance card at home and got a ticket for no proof of insurance?
go to traffic court and take your proof of insurance with you. this will prove to the judge that you have insurance and they will usually remove that part of the ticket.
Will a Fail To ControL Speed accident ticket affect insurance?
yes your rates will go up
Do accidents only go on your driving record if you get a ticket?
The accident will show but it will be marked as a not at fault accident and should not increase your insurance rates.
You paid you traffic ticket but didn't go to traffic school what will happen to you?
Nothing too bad. That traffic ticket point will go on your driving record and your insurance rates will increase. Your allowed a certain amount of points before your license is suspended.
If you have a NC license and get a speeding ticket in Wytheville Va does the points go against you and does your insurance go up?
States routinely share information about traffic violations. Your ticket will be reported in NC and you will like get points and an increase in your insurance.
Do you have to go to traffic school for cell phone ticket in California?
Nope! The ticket that comes in the mail WILL have to option to go to traffic school in case your insurance raises your premium for having a ticket, but most insurance companies don't for a non-moving violation, so just check w/ your insurance company. I got one in CA (Orange County) and it was $149. Just pay it out.
What happens if you get a speeding ticket in Florida and live in California and don't pay the ticket?
If I am from Florida but got a speeding ticket in CA, can I go to Traffic School to remove the points from my insurance? I plan on paying the ticket.
Got a ticket less than a year ago in Ohio and live in California and my insurance went up is it too late go to traffic school?
Maybe to get the ticket off. I had a ticket several years ago and the state had a window that I had to meet to get the ticket off my record. Traffic school could help bring the insurance down a bit, maybe.
Why does auto insurance go up after a speeding ticket?
Because you are more likely to have an accident if you drive too fast. And insurance balances the likelihood of people having accidents.
I went to traffic school for a traffic signal ticket and no points on insurance. If my insurance still goes up what can I do?
Your insurance won't go up if you submitted the traffic school certificate to the court by the due date so don't worry. You should have the documentation necessary to prove you went to trafficschoolo.
Will a first ticket for running a red light cause insurance rates to go up?
If it's your first ticket, you will most likely be able to go to traffic school and then it wont show up on your record.
