The speeding laws from state to state tend to change. Because they are different, are our insurance responses/claims different as well?
Oh speeding tickets, these can become one of the most irritating things for drivers, right after parking tickets. Around the world, there is a vast range of speeding laws that different from each country, state, or region. Therefore the driving habits that people develop differ from place to place. Driving is very dangerous if we are not focused, so it’s important to be familiar and actively participating in the road regulations when visiting a new place. Although speeding seems like a thing that only requires common sense not to do, each state in the USA does set it’s own speeding laws. If someone is used to the speed limit being 80, but they are in a state where it’s 70, there could be moments they go over the limit, simply out of habit. Another aspect to explore about speeding tickets, is that different cases differ in consequences and results.
Looking at this, if one is driving out of state, and happens to get a speeding ticket, how will out of state speeding tickets affect insurance?
Everyone hates speeding tickets, and they’re made all the worse when they end up raising your insurance rates. When you get a ticket for speeding, it not only reflects on your driving record, but also acts as a red flag for insurance companies and authorities. Once a ticket is issued, it is reported to the government automobile authority, such as the DMV in the United States, who then applies the infraction onto the driver’s license. This does not automatically translate into higher insurance rates however, as not all insurance companies monitor license records equally. Some may check frequently while others less frequently, some may be strict and others more lenient, it is an extremely circumstantial and often unpredictable practice. Severity, age, and frequency also factor in, perhaps unsurprisingly. A minor speeding charge for a 35 year old is obviously more likely to be overlooked and forgiven than a case that involves a significant speeding charge for an 18 year old. Because the rules, laws, and consequences are not always predictable, it is worth learning about the points system for drivers licenses, wherein driving offences are measured by occurrence, frequency, and severity in a corresponding number of points, which are then flagged on a drivers license as a record. Once a single license racks up enough points it can be suspended, or even cancelled, which means even simple speeding tickets can become a problem, for one’s driver’s license as well as one’s insurance, not to mention suddenly loosing access to a vehicle is a complete game changer in the way we go about our daily lives. Such situations can be further complicated by select circumstances, such as receiving a ticket while travelling. In the United States, if a driver is ticketed outside of their home state, there is a near guarantee that it will count towards their home driving record. This is because 46 states plus D.C. are members of the Driver License Compact, an entity that shares and distributes drivers licenses records across the country. Just like regular speeding tickets, out-of-state tickets can be reported to your insurance provider in California, even if the ticket was issued in New York; and as a result, your rates may increase. If or when this happens, it may be wise to begin shopping for a new insurance provided, as previously mentioned, not all companies are the same. Most companies will forgive a first offence or instance, but if the driver has 2, 3, or more infractions, they may see how different companies will treat and insure them based on their record. Car insurance can be daunting, and frustratingly subjective, which is why detailed and thoughtful shopping, and a good driving record, can reward you with an insurance company that is ready, willing, and able to have your back through life’s little misfortunes.