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will insurance still able to view my previous ticket record and raise my car insurance? | |
I got a ticket in April of 2004. I paid the fine and went to traffic school.
Just two days ago, i got a ticket for speeding (48 at a 35 limit).
1) will I still able to go to traffic school for this ticket? (I'm in CA, my friend told me we are allowed to take traffic school if it's over 18 months since the last citation, is this correct)?
2) i read some yahoo answer on car insurance and someone is saying the insurance company will still able to view the previous citation and raise the car insurance if we get the second citation within 3 years of the 1st one. the point will be unmasked for insurance company to see. is this true?
3) if it is true, does that mean even if i'm able to go to traffic school for my second citation, the insurance company can still raise car insurance for my 1st citation?
Answers:
1Two separate questions:
1) The DMV generally counts violations within a three year period only, with the exception of major stuff like DUI. You should be able to take a course to reduce your points. Incidentally, time begins counting only after conviction, not from the day you get the ticket. So you can reduce your total points just by requesting a hearing, which will move you beyond 3 years from the first ticket. Then go to class, and you're done with the DMV.
2) Your insurance company is notified whenever you get a violation, and they can retain records a longer time. Five years is typical. Your insurance company may honor the class for good driver rates, but if you have another ticket or accident, all bets are off. So yes, your insurance premium is at risk.
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