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Can I get in trouble if I don’t disclose to my new insurance company that I have multiple speeding tickets?
Will my policy be affected if I don’t make them aware of speeding tickets? I just switched insurance carriers but have not informed them of the two speeding tickets I just received.
Gracie Hanson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your insurance company is likely to find out about your past tickets, even if you didn’t disclose them.
Here’s how the insurance-buying process works (and why you can’t hide your record):
- You request a quote from a company.
- The reports will reveal whether you have any speeding tickets or traffic violations on yourdriving record.
- You receive a quote for car insurance based on your driving history.
Now, it’s true that not all insurance companies will check your MVR. It’s entirely appropriate not to disclose a ticket or accident about which you cannot specifically recall the details.
However, there could be serious consequences if they find out you haven’t been honest about your traffic violations:
- Cancellation: The company may refuse to continue insuring you, and they’ll cancel your policy.
- Rate hike: The company will increase the cost of yourcar insuranceto a higher amount than your original premium.
It gets a little trickier if you have a previous ticket but went to court and got it reduced to a
non-moving violation
. In this case, if you tell the company that you got a speeding ticket, it could affect your rate—even though your record would not indicate a speeding ticket and thus could not be used to rate your policy.At the end of the day, it generally doesn’t pay to lie about your driving record when applying for new insurance carriers, since your new insurance agent will either discover your falsehoods before your policy is put into place or when it’s up for renewal.
MORE: How long does a speeding ticket stay on your record?
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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