will my insurance go up with a cellphone violation in california. i have liberty mutual
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UPDATED: Mar 2, 2012
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Insurance Question from Chino Hills, CA
Asked on 03/02/2012
will my insurance go up with a cellphone violation in california. i have liberty mutual I have liberty mutual car ins. and i just got a ticket fo cell phone violation. Wll my insurance go up
Answer given on March 03, 2012
While each state and insurance company is different in how they charge for various tickets, most insurance companies in California do not charge for a cell phone ticket. It is not considered a moving violation as far as insurance rating goes, so it will not affect your insurance rates. However, if you cause an accident while driving and using a cell phone, you will be subject to a rate increase for the accident. Also, many towns and cities are being very aggressive if you cause an accident while talking on the phone or texting.However, this is a very expensive ticket and if you get another one, the financial effect for the ticket will outweigh the possible effect on your car insurance. You need to get a headset if you are going to continue to use your cell phone while driving. It has been proven that this is a very distracting and dangerous practice, and some insurance companies are considering changing their rates to charge for such tickets.
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