Do all insurance companies find out moving violations (speeding ticket)?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 15, 2018

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Insurance Question from Rock Hill, MO

Asked on 08/15/2018

Do all insurance companies find out moving violations (speeding ticket)? Speeding ticket for doing 42 in a 20 (school zone. concerned about increase in insurance. Only violation ever. 54 year old women

Answer given on August 20, 2018

Usually the auto insurance company will run a check on your driving record every year.  Once you are convicted of the speeding ticket, it will appear on your driving record. At that time, the insurance company will increase your rates at the next renewal.  They cannot increase your rates in the middle of the term.  If your policy is for a six month term, they must use the annual renewal time to make any increase.

Each insurance company is different as to how they charge for the ticket. If it is considered a minor infraction it is usually just one point. This will increase your rates. However, some companies consider speeding in a school zone, and/or going over 20 mph over the posted speed limit, as a major infraction. This could result in a much larger premium increase, as you could lose your good driver discount.

If possible, you should go to traffic school to keep the ticket off of your record.  If you do this, the ticket will not show on your driving record.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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