XlYesterdaYlX

The details on how I got the ticket is not important, but what I'm wondering is, I got a lawyer and they dismissed the ticket and i even got the bail money i paid for the ticket back.

But somehow my insurance was still reported that I got pulled over and got a ticket... Now I have a point on my record.

I thought if the ticket got dismissed I wasn't going to get a point or am i missing something? As if I don't have enough things to deal with now i have to take care of this... advice anyone??

Myterial

To the best of my knowledge I'm with you. When I got my speeding ticket, my officer never showed up and my case was dismissed as well. No points on my record. I would get ahold of someone at your insurance company and ask what you can do to have that removed from your insurance (possibly fax the info saying the case was dismissed). It could also differ from state to state. My best advice would be talk to the insurance company first

laythor

just to clarify. you're saying the DMV is reporting a point on your license or your insurance company is saying they have one point against you?

It's a very common misconception that when you go to traffic school or have a case dismissed that your insurance company has no record of this every happening. Untrue. If you get a ticket the insurance company finds out almost immediately but will not usually count it against you if you go to traffic school or the case is dismissed.

Anything the DMV records about your driving habits the insurance companies have access to and can use against you to come up with a rate to charge. So while you may go to traffic school every 18 months and have zero points against your DMV record, your insurance company is going to see that pattern of speeding,unsafe lane change, etc and use it against you when it comes time to renew or extend your policy.

DocBeech

iTrader: (1)

also keep in mind that the clerk could have made a mistake. go back to the courts and ask what happened.

ken-x8

Do insurance companies constantly scan DMV records, looking for tickets their customers may have gotten? Can anyone look up anyone else's driving record?

Ken

paulmasoner

iTrader: (1)

send copies of the court records or case dismissal to your insurance company. if that doesnt get what you want, nothing will

laythor

dmv and insurance companies share a database on drivers. anything entered by one can be seen by the others. I worked in the AAA auto insurance years ago and had to explain this to many people over the phone.

That's why i'm wondering if if the OP means he has a point on his driving record, or is his insurance company simply telling him they know he had a ticket.

paulmasoner

iTrader: (1)

my mother currently writes auto insurance among others, it is entirely possible and common to have nothing on your license per DMV and still have negative flags on insurance. straight from a current insurance writer's mouth..

laythor

very true and should have mentioned that. like anything, human and computer error can pop up

Razz1

Big Brother is watching you and knows all.

Can't escape the insurnace father in law.

ken-x8

So that means that when I've gotten questionnaires from my insurance company asking me to list any violations not previously reported, I didn't have to put anything down? Since they already know everything?

They've wasted my time...

Ken

DocBeech

iTrader: (1)

depends on the kind of ticket I would think. Like my ticket for having a busted out tail light. I was rear ended in my 1958 and waiting on a part. They are a bit hard to find lol. My rates didn't change even though I recieved that ticket.

laythor

you should always disclose any tickets/accidents. If you're in a big accident your insurance company could always deny you under the auspice of "falsifying information"

DocBeech

iTrader: (1)

the insurance company im currently with has never asked me for information since the original quote.

when my mustang was totalled they even included in the price of aftermarket parts and mods. They had a "formula" that they used to depreciate each part. I had to actually sit down with the rep and disclose every single part that I had installed or up graded. They then used the formula that took in effect miles the parts been on and length of time. So I was able to recover some of the cost of mods.

ken-x8

Absolutely. Never lie to an insurance company. They are professionals. It would be like thinking you could take Joe Louis in his prime.

I get a questionnaire from my insurance company maybe once every four or five years. It asks for current info on drivers, etc., and (of course) violations. It seems like they used to come more often. I guess the reduced frequency must be because they get violation info from DMV. I'm still curious about how the data connection works in states like Virginia, where you don't tell DMV who you're insured with. Just sign a declaration that you're covered.

Ken

DocBeech

iTrader: (1)

I dunno in texas the insurance company has to report it because we have that new auto scan system.

ken-x8

In Virginia you don't have to have insurance. You can pay an uninsured fee that costs more than insurance would, and gets you no coverage. When you renew your registration there's a check-box that you have insurance, and you sign the form. No indication about which company. Even when you get caught on a traffic violation, and show the officer your proof of insurance, that info does not get entered onto the summons. And (having had two cars taken out by uninsured motorists) I found that traffic court never learns about someone being uninsured.

One time at DMV there was a woman ahead of me registering a car without insurance. The clerk simply charged her the first month's worth of uninsured fee, and did not say squat about needing to get insurance. I really preferred the system they had in New York (and I assume lots of other states) where you needed proof of insurance before they'd let you register a car.

Ken

paulmasoner

iTrader: (1)

mom has to do that a few times a month

ASH8

I know this is OFF topic "slightly", but my State here Down Under are doing away with Registration Labels or Tax Stickers for windscreens, don't know what you guys call them, but the onus will be on you to renew your car registration, DMV will send out renewal , BUT No Visible Label to remind you when it expires.

Great if you drive a company or work car.

The Cops have Auto Readers of License Plates on board Patrol Cars, so if their computer says you are expired, a $300 fine, points, etc , etc...

Going to save them $5 mil bucks a year.

Do you guys have this in the States??

zoom44

we have registration labels that stick to the plate itself



the green stickers in this case above in the bottom corners. I think most states in the US still send reminders to renew.

In Oregon renewal is every 2 years

ASH8

OK thanks Charlie...at least you are able to see when rego expires..!!

This new system that starts next year here will be a nightmare, another State (Western Australia) has been "trialling it" for 6 months and it has been a "success"...how do you judge it a success, a success for who or whom??, the Police, the Government Coffers, the Courts.??

How can it be a success for a Owner/Driver of ANY car or truck??

Apparently there will be a website where you can check the validity or expiry date of your rego.

BLOODY Governments...they just don't know what to do next, nanny state!

DocBeech

iTrader: (1)

on our vehicles your get a sticker that goes in the window on the drivers side. It has a bar-code on it that has many different purposes. Like if you don't pay the meters to write you a ticket all they do is scan the bar code and it fills out the information for them. They also just scan the bar-code when you go for your inspection. We have to renew every year.