Will Parking Ticket Increase My Auto Insurance Rate in New York
Reader’s Question:
I received a parking ticket here in New York. Will it affect my car insurance premiums?
Ian
Albany, NY
In most cases, getting a parking ticket will not be considered by car insurance companies as a demerit earned on your insurance points. This is because moving violations, especially if a driver gets convicted for them, are the ones that the insurance carriers take into consideration when raising premiums. However, if you failed to address a parking ticket, like paying the fine, this would eventually lead to the suspension of your driver’s license, and then the suspension will be put against your driver’s motor vehicle record (MVR). The State of New York’s Department of Motor Vehicles (DMV) will then notify your auto insurance provider about the suspension. That is why it is very important to remember to address any traffic citation, even ones as seemingly harmless as a parking ticket as soon as possible. When you get a parking ticket, remember not to lose it in the glove compartment along with your loose change and ATM receipts.
In the State of New York, non-criminal tickets will be addressed by the local town or village criminal courts. However, you will need to face the Department of Motor Vehicles Traffic Violations Bureau since you are from Albany, New York. Instead of appearing before a judge, a DMV administrative law judge who has the authority to set penalties and fines will try your case. Bear in mind that it is easier to avoid getting a ticket than dealing with the consequences of it afterwards. Just make it a habit to follow traffic laws and practice safe driving.
Tags: Car Insurance Company, DMV, traffic violation
Teenager Auto Insurance With Provisional License
Reader’s Question:
I would like to know if you are required to have car insurance in Brooklyn, New York if you only have provisional license.
James
Brooklyn, NY
If you are a teen who lives with your parents, typically car insurance carriers would want your parents to notify them once their children obtain their learners permit, provisional license or full license. It will depend upon your insurance carrier’s guidelines if you are required at this point to get car insurance so you can be properly covered.
Some insurance carriers I know do not charge any extra to car insurance policy with just a permit and most insurance provider will. I suggest that you contact your parent;scar insurance provider and ask them if you are required to be listed on your parent’s car insurance policy with a provisional license.
Your parent’s car insurance policy rate in New York would definitely go up if a teenager is added to the policy. You may ask the car insurance agent if there are any discounts that you may take advantage of like good student discount or driver education class that you can take to help lower the car insurance rate of your parents. Always remember to obey traffic laws so you may become a fully licensed motorist and of course to avoid having expensive car insurance rate.
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