Does a speeding ticket and points impact your insurance?
"I don't have insurance personally, but was borrowing my parents car. Would the ticket and points affect their insurance?"
Answer provided by
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Tickets and violations are typically connected to your driver’s license. Even though you were driving your parent’s vehicle, your violations wouldn’t show up on their car insurance.
The only time your violations or tickets would show up is if you’re listed on their policy as a driver. Insurance carriers look at all drivers’ driving history when rating a policy. This would include any accidents, tickets, or violations on your record.
The same will apply if and when you get your own car insurance. The speeding ticket and points on your license will impact your rate for three to five years.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Can I get license plates without car insurance in New York?
I'm about to buy a new car. I want to get my license plates on soon, but I don't have car insurance yet. Is it possible to get my new plates before buying insurance?
May 31, 2021
How do I file a claim with another driver's insurance company?
"A car damaged my vehicle and I got their information. How do I file a claim?"
Jul 27, 2021