Auto Insurance and Out of State Speeding Tickets
There was a time, a few years back, when drivers weren't required to report speeding tickets received out of state. That is no longer the case. Now out of state driving infractions show up on your insurance. Ever since 2005 states have adopted uniform means of reporting traffic violations. So, if you get a ticket in another state, it will show up on your home-state driving record.
How It Works
Here's what happens when you get a ticket in another state:
- The infraction is reported to your state of residence.
- All points are assessed and the points are added to your existing driving record.
- Any time that you renew your insurance policy or attempt to get a new policy the violations will show up on your record and you could face an increase in rates, charged additional fees, or even denied coverage.
Increased Insurance Rates
Keep in mind that if your speeding violation is not excessive changes to your policy will not take place until your next policy renewal. Redeem the time and take a defensive driving course. This will give you a discount to offset any potential increases brought about by your speeding ticket.
Possible License Suspension
You could face a suspension to your driving privileges or a total revocation if you have an excessive amount of points on your license. It doesn't always matter where you got the ticket; whether in your state or another state. You will not receive coverage from an insurance company if you operate a car while your license is suspended, even though you may be technically insured. Simply put, do not drive a car if your license is suspended even if you are insured.
How to Postpone the Inevitable
Since it can take up to 30 days for out of state driving infractions to show up on your record, a good tactic can be to renew your policy early or get car insurance quotes before the charges show up on your record. An early renewal in these cases can be your best defense.