Reader’s Question:

I received a ticket in New York because I was caught talking on a cellphone while driving. The police officer told me that no points will be placed. How will this incident affect my insurance rates?

Gene

North Hempstead, NY

The law of the states of New York does not allow any mobile device while driving except when calling 911, medical
fire or police in a state of emergency. Failure to comply with this law entails a maximum fine of $100 and a surcharge
of $50 aside from the ticket.

The ofense is not considered as probationary license violation and you will not receive points for this since you received a ticket.

Your insurance company will determine whether the incident will affect your insurance rates. Some insurance provider, though, does not increase the rates if the violation is only minor. If the offense is repeating, this may become a concern and may remove any privileges like driver discounts.