Tickets Points and Auto Insurance Rates

Ticket points system refers to a system of providing point value for various traffic violations. Serious offenses have higher point value. Accumulated points within a specific period may be used by insurance companies as basis to increase premium rates.

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Tickets Points and Auto Insurance Rates

What does that's fine mean?

It means like that's ok, that's good, that's fine. ;) hope i could help! Feel free to ask more questions!

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Cars & Vehicles
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Tickets Points and Auto Insurance Rates

Can you insure someone else's car?

One may generally insure the property of another if you have an insurable interest in it. This means that you have a financial interest in the property that may be harmed if the property is damaged or destroyed.

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Tickets Points and Auto Insurance Rates

Can a 17 year old get his own auto insurance?

Yes you can, But due to limitations of a minor to enter into a contract. The teenager will need a parent to countersign the insurance application. Alternatively it is usually cheaper just to add the teen to the parents auto insurance policy.

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Tickets Points and Auto Insurance Rates

Will a speeding ticket from another state affect your auto insurance?

Traffic Tickets in another StateThe answer is that "It can." It just depends on whether the insurance company checks only your state of residence or not. Most insurance companies will only check your driving record in your state of licensure but they are perfectly capable of checking your driving record in any state or nationally if they so choose.

All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records.

It Is not a matter of a ticket being reported to your state. It is only reported to your state if you fail to take care of it. However, the computer makes your records available to any insurer or state licensing division that cares to check it.

The reciprocal requirement extends to all states being able to automatically suspend or deny a drivers license in any other state until such time as the originating jurisdictions suspension or violation requirements have been satisfied.

The old days of leaving behind unpaid traffic tickets in another state are gone. Information travels at the speed of light.

My advice: Pay the ticket quickly so you don't wind up taking a trip and hiring an attorney trying to get your suspended license reinstated.

If a ticket from another state defaults, your drivers license can now be suspended regardless of which state your licensed in. An unsatisfied traffic judgment in one state can prompt an automatic suspension in another.

The intent and spirit of the movement toward information integration and sharing of the various states agencies along with more efficient enforcement is ultimately to better serve and protect the public.

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Other sof course it will, you got ticket . So you do the crime you do the time.

It depends on the laws of your home state and whether your state posts out of state tickets. While most do, there are a few exceptions. NY is one.

In general, it always pays to fight an out of state speeding ticket. Never assume that you can just pay the ticket, regardless of what the officer tells you. Check to be sure how it will be posted to your record in your home state and you may also want to check with your insurance agent. In many cases it is cheaper in the long run to hire an attorney to try and get it reduced.

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Out of State Traffic TicketsI think this response is overly broad. I was pulled over by a Vermont state trooper who specifically told me the ticket wouldn't be reported to my home-state DMV. I think this question needs much more research.

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I got a new york ticket. and then had other violations after that in Pennsylvania. The points in NY Don't transfer into P.A. and I called the DMV and they told me they had no record of out of state tickets. Just my violation in state. But I'm not sure if the insurance companies can see it, That's what I.m Looking Into now myself.

Tickets in other StatesThe answer is: It depends on the state you got the ticket in .

Some states report tickets to each other's DMV or MVD license bureau and some don't. If your state gets info from one of the states that shares, you will most likely see it on your motor vehicle report or If your old tickets go into a default status. Unfortunately, so will your insurance agency next time they take a look at it.

You may want to call your motor vehicle department to ask about it.

Potentially, yes. Your records reflect your entire driving history but it is up to the car insurance companies discretion to decide what they will and will not take into consideration when they determine your rates.

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Car Buying
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What are the cheapest autos to insure?

The top ten cheapest cars to insure, regardless of who you are: * Buick LeSabre * Oldsmobile Silhouette * Honda Odyssey * Buick Park Avenue * Pontiac Montana * Mercury Grand Marquis * Buick Century * Chevrolet Venture * GMC Safari * Oldsmobile Bravada * Volvo * hyundia * VW POLO BY THE WAY DONT U USE UR BRAIN U PLONKER The insurers go by credit scoring, loss avergaes, etc. not just by the car you drive, of course. For liability only, it depends mostly on the driver an possibly a little bit on how much damage the car will do. (motorcycles cheap, SUV's expensive) For full coverage it is a combination of how much it usually cost to repair it and how likely it will be to get in an at fault accident. cadilacs are expensive to repair, fords are inexpensive volvos are driven responsibly, mustangs are always getting to wrecks. The cheapest to insure will be a sensible, afordable, small sedan with the most safety features and the cheapest engine, trim, features etc.. hope it helps Easy answer really, one car and one car only, a Buggatti veyron 8.0l quad turbo charged so not only does it have a small engine its economical as well!! it does 7 miles to the gallon so perfect for all those long distance drives! and perfect if you are on a tight budget to find a car because they only retail at around £850,000 but be quick as there is only 500 made, hope i was helpfull :) DONT BUY A CAR the lamborghini diablo is because its super quick

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Tickets Points and Auto Insurance Rates

How does a speeding ticket affect your auto insurance?

  • If you are over twenty five and this is the only ticket on your record in the last three years it will make little difference on your auto insurance rates. Insurance companies do not necessarily review your driving record every year. It is checked when you first apply and then it depends on the policy of that particular company.
  • The problems will start with your second ticket. That is why it is important to keep any and all tickets off your record. Many states will allow you to take traffic school or they have a deferment program.
  • Check the laws in your state to see what options are available. In most cases just showing up on your court date will allow you to negotiate for a reduction in the fine and points.
  • If you drive a company vehicle or have a CDL license it is very important to keep your driving record clean because the records of these drivers are checked every year.
  • As a general rule you can expect one four point ticket to increase your insurance premiums by at least 50% for each of the next three years. In many cases it is cost effective to retain an attorney to contest the ticket.
  • There are too many individual factors to predict how much, if any, this one speeding ticket will increase the insurance premiums for the entire family. It depends on the number of cars, number of drivers and their MVR's, the insurance carrier, previous losses and state law. Many insurance companies will not check your MVR every year unless there is a change to the policy. If they do not check, then your rates will not change. Typically insurance companies only check high risk drivers and those who drive a company vehicle every year.

I'd also add that it entirely depends on which conviction you receive. Depending on your situation you could receive a more serious conviction or receive a lesser one.

Visit the Related Links for a list of all convictions and the points (seriousness) of each conviction for the UK.

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Tickets Points and Auto Insurance Rates

How do you decide who's at fault in an accident?

  • In the UK - determining who is legally at fault depends to a degree on the type of accident that has occurred. For example - in a RTA the Road Traffic Act and Highway code are influential in deciding who has made a driving error. In an accident at work there are regulations for manual handling and keeping a work environment safe. For examples on showing legal fault for different two different types of RTA and work accidents see the related links entitled: "car accident claim", "motorbike accident claims" and "accident at work claim".

Here's a link for advice on determining who is at fault in a car accident.

Besides the website recommended above, you should consider point-of-impact, whether the alley is one way or two way, and what a reasonably prudent driver would be expected to do in this situation.

In your case, the point-of-impact is very telling. It's one thing to hit the rear corner of a car backing down an alley, but it's quite another to hit that car on a door. Your neighbor, even while backing, probably had the greater duty since you clearly had control of the roadway.

If there's any comparative negligence on your part, it would be minimal unless the alley is one way and statutes specifically prohibit backing in such a location. A statute of this type could be used as a defense for your neighbor because the statute would have been created with just this scenario in mind (i.e., don't back down a one way alley because most people wouldn't think to look more than once in that direction).

Another thing to consider: Your neighbor basically struck the middle of your car. She has a duty to watch for oncoming traffic. Clearly she wasn't watching. Now, suppose that had been a person? What would her defense be?

Fault is determined partially by the laws of your state.

Contributory Negligence Comparative Negligence

Under which of these systems does your state operate.

In one...the person who is 51% at fault will pay for all damage. In the other a percentage of blame is assigned and each pays that percent of the others damage.

It could also be a NO-Fault state in which your own company pay regardless of who is at fault.

General rule of thumb....the person with control of the "roadway" has right of movement. Anyone entering the roadway must yield to the ongoing traffic.

A smart attorney could argue a case that alley's are not roadways.

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Tickets Points and Auto Insurance Rates
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I am 17 years old and i got caught doing 50 in a 35 and less than a week later 60 in a 45 how much do you think my tickets will cost and do think i will get let off perrty easy or no and i am a girl?

Yeah you're gonna get a big ticket. You aren't going to have it lowered because you're a girl. That is just stupid. You'll probably get in more trouble because you got two tickets going 15mph over in less then a week. Drive safely and don't expect to be let off easy because you're a girl. That way of think is stupid.

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Tickets Points and Auto Insurance Rates

If you are charged with a DUI how does it affect your auto insurance?

DUI Affect on Auto Insurance

Here are opinions and answers from FAQ Farmers:

  • You will probably lose it. But, since you will probably also lose your drivers license, you don't need it.
  • It depends on the insurance company. Despite popular controversy there is no guarentee of what exactly will happen. When it's time to renew your policy, the rates may be considerably higher and in some cases could be cancelled. Some companies will still insure you and may even provide you an SR-22 certificate of financial responsibility.
  • My insurance went up $39 for a six-month period because it was my first offense and PA has a accelerated rehabilitation program.
  • If you are in the State of California you will need to obtain an sr22 filing from your current insurance company.
  • I am a agent with a large company, we do not cancel a policy with a first offense but we are very hard on our members. Plan on getting a second job to pay for your premium or finding a nice bicycle.
  • In the State of Florida, your car insurance could go up as much as 200-300% if you are convicted for DUI. In order to reinstate your driving privilege with the DMV after a DUI conviction, you will be required to obtain a "FR-44" form from your insurance company. The insurance company could cancel your policy if they do not provide "high risk" policies. If your current policy is canceled, that can cause a double whammy when you try to obtain insurance from another company. Many "high risk" auto insurance company provide this insurance after a DUI conviction, but it will cost you. The FR-44 form proves that you have obtained insurance with the following policy limits: $100,000, because of bodily injury to, or death of any one person, $300,000 for similar liability for two or more persons in any one crash and in the amount of $50,000 because of property damage liability in any one crash, or combined single limits of $350,000 to the extent of the above limits.
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Tickets Points and Auto Insurance Rates
Rules of the Road
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If you get your learner's permit 3 months before you turn 18 do you still have to wait a full year to get your driver's license?

In California, if you get your Driving Permit after the age of 17 1/2, you only have to wait until your 18th birthday to get your regular, adult, non-restricted driver license.

Not Necessarily. First of all, dont worry because as long as you had insurance (if it was your fault) an accident usually makes no difference as far as delay of your license issuance, at least in Nevada it dosen't.

In most states, if you turn 18 three months after your first permit as long as you pass the driving test you'll be issued a full unrestricted license as Graduated Licensing Programs (GDLPs) are for juveniles and rarely ever apply to adults.

Take my suggestion, go ahead and GET LICENSED AS SOON AS YOU CAN!! 20 years from now I guarentee it will be quite literally impossible and remember no Auto dealers in the USA will sell you a car without it!! Good Luck, Matt

You need to call the local DMV to answer that question due to laws vary state by state . N.C. laws let you get your license at 16 if (if) you have had a learners permit without any accidents , and you are still a full time student , one full 12 month year after you get your permit . A friend of mine has a wife 36 years old that just got her license after a 3 month permit , but it varies state to state . The local dmv will be more than happy (sometimes) to answer your question .

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

Do NJ ticket points carry over to NY?

Generally, yes.

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

How much is a ticket for not yielding?

Every jurisdiction has their own 'price schedule' for various violations. The question is too vague to be answered here. I think this type of violation is usually cited as a result of an accident between two vehicles.

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Tickets Points and Auto Insurance Rates
Web Hosting
Sales and Customer Service

Someone breaking the law by reselling tickets?

It is basically called a scalper.

It is not illegal to scalp or sell tickets, but some states regulate the practice. They don't want it done outside of the venues in some places, for example, to prevent fraud or crimes (scalpers carry a lot of money if they do well). Some states also have laws limiting prices to a certain amount above face value (the original price).

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Tickets Points and Auto Insurance Rates
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What would happen if a teenager between 16 and 17 is caught driving alone with a learners permit?

you don't get your liscense until your 16 and if your 16 or 17 then you wont have your learners permit anymore

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Check the driving manual in your state. It should say what will happen. Some states will charge a fine. Some states will arrest you. Some will impound your car or make your parents come get you and the car. Some states will take away your learner's permit and not allow you to get it back until 18 or 21. You may get lucky and get out with a small fine, or you may have serious problems. Don't risk it.

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Insurance
Auto Insurance
Tickets Points and Auto Insurance Rates

Can you get new auto insurance if you let your old policy expire?

Changing Auto Insurance CompaniesYes, Of Course you can. Just call the insurance company of your choice and ask for a quote. It is extremely common for people to shop new rates upon expiration of the old insurance policy. Many people overpay for their insurance simply due to not shopping around at renewal time.

In Fact, it is the most common time and is even recommended by most agents as the perfect time to shop around for a new rate is upon the expiration of the previous policy.

Most Insurance companies are fully aware that renewal time is the best time to pick up new insurance customers and may offer you a discount of 5 to 10 percent to transfer your business to their company.

Happy Motoring and shop that Rate to save some money.

New auto insuranceThere might be an internal "30-day rule" within certain companies, but you can get insurance with a new company. You may have to do a bit of footwork, and it might not be with a standard carrier, but it is possible.

A carrier with this "rule" is probably just wanting to verify what kind of customer you'd be, particularly in the area of premium payments (are you always on time? regularly late?). Insurance companies are, after all, businesses ... they want to know you'll be a good client.

Do some shopping around, though, and you'll find coverage. Once you've established coverage, however, remember to go back and do some more shopping, especially for better rates.

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets
Quebec

How do you pay speeding ticket in Quebec?

The Government of Quebec uses the Bureau des Infractions et Amends (BIA) to process payment of fines and contesting tickets. If you would like to challenge a speeding ticket, you normally have 30 days to respond after receipt of the ticket.

If you reside outside of Quebec, you should note that provinces and states bordering Quebec have reciprocal agreements regarding the honouring of tickets and demerit points. Therefore, demerit points will be issued on your Ontario driver's license if you receive a ticket in Quebec and vice versa.

One should always confirm that a police radar gun was used and if it wasn't they should make sure the speedometer on the police car was recently calibrated.

If you do challenge the ticket, you should also take note that costs are added to the fine if you're convicted so it may be better to assess the value of the fine versus the costs of going to court.

Finally, one of the more often made mistakes of a motorist is to pay the fine before consulting a professional.

If you would like more information on speeding in Quebec visit http://www.montreal-criminal-lawyer.ca/ or call 514-377-7168 for a free interview.

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

How can you look up old tickets on driving record?

Get a copy of your motor vehicle report, or MVR, at the Department of Motor Vehicles of your state. They will charge you a nominal fee.

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Tickets Points and Auto Insurance Rates
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Can a valid Pa License be suspended in Maryland?

The state of Maryland can request to Pennsylvania that your licence be suspended - whether Pennsylvania would actually do this or not is a bit doubtful. However, the state of Maryland can - and will - suspend your driving privilege in that state, making it illegal for you to drive within the boundaries of that state until you have your privileges reinstated in the state of Maryland.

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

Does Texas report traffic tickets to California?

Yes, they are in an agreement with other states that report to each other.

Added: All states are members except for Georgia, Michigan, Wisconsin, Tennessee (dropped out in 1997). Nevada repealed the authorizing legislation in 2007[1], though it still generally conforms to the agreement through regulations.

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Tickets Points and Auto Insurance Rates
Rules of the Road
Traffic Violations and Tickets

How much will a speeding ticket cost going 74 mph is a 65 mph zone?

It definitely depends on the state, and city. I paid $242.00 for going 51 in a 35 zone.

This was in Southaven, Mississippi.

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Cars & Vehicles
Insurance
Auto Insurance
Tickets Points and Auto Insurance Rates

Why do some car insurance companies only write six month policies?

It all has to do with what insurance is. Insurance is the transference of risk. You pay a premium to the insurance company, it turn they agree to indemnify you, or put you back to the financial status you were previously at prior to a claim within the limits you have selected. In simple terms you hit someone and owe for damage to his car, his injuries, damage to you car, and your injuries. Assuming you have all the coverages needed at the limits needed the insurance company pays for all this so you are now at the same place financially you were prior to the accident. That being said the, money you pay in premium is for the possibility of a future claim, not claims already paid. This insurance company must predict how much money will be paid on average for the next policy term for a pool of risk. It's like selling a product without knowing how much it will cost you to produce until after you have already sold it. Knowing this, it's amazing insurance companies know how much to charge. Charge too much and you'll lose customers to more competitive companies. Charge too little and you loose the company. You have to be as accurate as possible. This is why no insurance company should want to charge too much or too little. Auto insurance is so dynamic that it is almost impossible to predict more than six months in the future how much will be paid in claims. Variables such as people moving from one place to another, explosions in popularity of more destructive vehicles like SUVs, changes in driving habits like driving while talking on cell phones, and changes in jury awards are all variables that usually cannot be accounted for until the last minute. Further hindering insurance companies is the fact most states mandate that any rate change, up or down, must be approved through a lengthy government bureaucracy. This will slow down the process of charging the appropriate rates for the risk when time is crucial. This is why you will find that most insurance companies will offer only six month policies for autos. If you think it's all about insurance companies wanting to charge more every six month, then why are home owner's policies usually a twelve month policy?

In short, the companies want to be able to adjust their rates.

That can work in your favor also. Consider: An insurance company in most states can only charge for a conviction (a ticket) for 36 months from the conviction date (the date you paid it, or went to court.) However, the insurance company is not required nor is it even expected to stop charging for a ticket in the middle of a policy period. So if you got a ticket on 12/1/02 you would expect the reduced rates to come around 12/1/05. However, if your policy renews on 11/15/05 then if you have an annual policy you won't actually see the reduced rates until 11/15/06.

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Tickets Points and Auto Insurance Rates

What happens to unpaid tickets in Iowa?

Eventually they go to warrant.

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Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

How do you beat a obstructing driveway ticket?

You don't. Stop being rude and blocking people's driveways! Every day some idiot parks across my driveway and I have to call the police to get out of my own garage. Rude people like you burn me up, and I do everything I can to ensure you get a ticket and learn not to block residents' access to their own home!

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Auto Insurance
Tickets Points and Auto Insurance Rates
Traffic Violations and Tickets

How much is a violation of signs ticket in CA?

In San Diego, 350 W. Ash St. apparently had an "Authorized Vehicles Only" sign I didn't see, when I went back 2 hours later, I had a $40 dollar fine slapped onto my windshield. great. just great.

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Tickets Points and Auto Insurance Rates
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Traffic Violations and Tickets

How often can you take a Virginia Traffic School?

Virginia Traffic School | Online & Classroom Courseshttp://www.virginiadmvdriverimprovement.com757.819.4841


If The Virginia DMV Requires You To Attend A Clinic, You Must Complete The Entire Eight-Hour Course. If You Fail To Satisfactorily Complete The Clinic Within 90 Days, Your Driving Privilege Will Be Suspended Until You Meet This Requirement. If You Are Attending College Outside Of Virginia Or You Are A Member Of The Military Or A Military Dependent And Stationed Outside Of Virginia, You May Be Eligible For An Extension Of The 90-Day Requirement. The Extension Will Be Granted Only If You Are In An Area Where No Approved Clinics Are Offered. The Extension Will Last Until A Break In Your Schedule .You May Be Awarded Five (5) Safe Driving Points, Once Every 24 Months, After You Successfully Complete A Virginia Driver Improvement Program Clinic. The Highest Safe Driving Point Balance You May Accumulate On Your Driving Record Is Plus Five Points. If A Court Requires You To Complete A Clinic, The Court Determines If You Will Be Awarded Safe Driving Points.

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