I reported a traffic citation to insurance company but expect that it will be thrown out of court. Will my insurance rates go up?
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Insurance Question from Chicago, IL
Asked on 12/20/2015
I reported a traffic citation to insurance company but expect that it will be thrown out of court. Will my insurance rates go up? I was involved in a multi-car pile-up on an icy road. The police officer almost apologetically wrote tickets saying it wasn't really our fault but that he had to and would not appear in court on the court date so encouraged us to plead not guilty, saying the ticket would be thrown out of court. However, when filing my insurance claim, I told GEICO I received a citation. Will verbally reporting my citation affect my insurance rates even if I plead guilty and the citation is thrown out of court?
Answer given on January 03, 2016
If you cause an auto insurance accident and receive a citation, the insurance company can only charge you for either the accident or the citation. Usually, depending upon the amount of damage, they will charge for the accident, since it normally has a greater effect on the rates on your policy. If there was bodily injury in the accident, your rates will increase even more, thus the insurance company will charge for the accident.You can still go to court and fight the citation. If you win, the citation will be removed from your driving record, and the insurance company will see this and definitely will not be able to charge you for the citation. If the citation is thrown out, be sure to get a copy of the dismissal to be sure you have the evidence in case your insurance company decides to try to increase your rates for the citation.
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