I reported a traffic citation to insurance company but expect that it will be thrown out of court. Will my insurance rates go up?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Dec 20, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com 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 FreeAdvice.com 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 AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption