Will Auto Insurance Rates Increase in New York After Speeding Ticket?
Reader’s Question:
I reside in Colonie New York and got 2 speeding tickets in Rhode Island. The second speeding ticket was just 5 days ago. Will my car insurance provider find out about the new ticket if I end up obtaining a different punishment? I would like to know if my auto insurance rates will increase because of this?
Brick
Colonie, NY
New York State’s Department of Motor Vehicles does not record out-of-state violations committed by New York motorists, except for when it is a major offense or the violation was happened in Quebec or Ontario. With same exceptions of Quebec and Ontario, the New York State DMV does not add points onto your driving record for out of state tickets.
Due to the rules of the NYS DMV, normally your RI speeding tickets would not show up on your Colonie NY driving record. If the violations are not listed on your driving record it is unlikely that your insurance provider would find out about them when looking at your MVR to increase your car insurance rates.
Auto Insurance Rate Increase After New York Speeding Ticket?
Reader’s Question:
I live in New York, NY. My friend got a speeding ticket while driving my car, which is covered under my father’s insurance. Will his rates go up, or only my friend’s insurance rates? will he ever find out that a speeding violation was made in his car in New York?
Bob
New York, NY
Speeding tickets are normally written to a person, the driver of the car, and not the vehicle. Due to how the citation is written in New York, your friend will be the one that should show the conviction for the speeding violation in his driving record.
Once your friend pays the ticket the infraction should appear on his driving record New York and thus his insurance rates (not your father’s) could be affected depending upon his insurance company’s rating system. If your friend takes care of the ticket properly it is doubtful that your father would find out about the speeding ticket that someone received in his car. You can verify with the NYS Department of Motor Vehicles to make sure.
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