Cheap New York Auto Insurance

I Got a First Speeding Ticket Will My Auto Insurance Rate Increase?

By author on July 25th, 2008

Reader’s Question:

If someone receives a first speeding ticket in Babylon, NY (that is under 14 miles per hour over the speeding limit), can insurance companies raise car insurance rate premiums?

Marie

Babylon, NY

New York state laws prohibit insurance companies from surcharging certain traffic violations. NY Insurance Department only allows surcharges to be applied during the experience period (typically three years) for specified incidents, some of which are:

• accidents causing bodily injury or death, or losses to property in excess of $1,000, where the insured driver is at fault; or
• convictions for certain violations (speeding more than 15 MPH over the legal limit, driving while intoxicated with alcohol or drugs, operating a vehicle while attempting to avoid apprehension by a law enforcement officer, leaving the scene of an accident without reporting it, operating a vehicle in a race or speed test, driving without a license or knowingly permitting an unlicensed person to drive your vehicle, or filing a false insurance claim)

Comments are closed.