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
Emily Maracle
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.”

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