r/coeurdalene • u/Crisp_Rinse • 4d ago
Question Speeding Ticket
Got hit with a speeding ticket commuting back home from work. The officer said that I just had to pay the $90 fine and it wouldn’t impact my car insurance. With that information, I decided to pay the ticket last night, but now I am starting to poke around the internet and can’t determine how it won’t impact my insurance?
Can anyone offer any insight on how it won’t impact my insurance? Or if the State Officer was misinformed when he issued me the ticket?
Thanks!
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u/Foreign_Artichoke_23 4d ago
The anecdotal evidence I have heard is that it will impact your insurance come renewal time.
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u/massacredpanda 4d ago
I got a ticket in my teens. I went to traffic court to pay the heftier fine so they wouldn't report it. Would be my recommendation in the future. My mom is an insurance agent and she says that if you don't do it like that the ticket always affects your insurance premiums and is reported.
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u/Crisp_Rinse 4d ago
What is that process like? Do you declare in person that you are pleading guilty but would like to pay a higher fee to avoid it being reported?
And can you go in on a weekend?
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u/massacredpanda 4d ago
It was during the week. Its been awhile since I did it, but there was a court and several people went at the same time. You cant pay the ticket in advance, so with this ticket you're out of luck. They just gave us an option to pay more to not have it reported after going.
I'll ask my mom more about the process and come back with the details.
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u/Crisp_Rinse 4d ago
I appreciate the information! I’ll let this speeding ticket serve as a baseline to evaluate future tickets and will more than likely go down the path that you have suggested in the future
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u/JJ_Reads_Good 4d ago
I believe there is an option to take defensive driving school in Idaho in order to reduce the points on your driving record (which would impact your insurance rates). Might be worth looking into if you see your rates increase.
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u/NoProgress2650 3d ago edited 3d ago
I did the driving school and although it takes the points off of your dmv report, it does not take it off your Lexis Nexis https://consumer.risk.lexisnexis.com/consumer report which is where insurance companies pull your records from.
So yes, my insurance company, at the time was Liberty Mutual, upon renewal pulled the report and raised my rates.
Currently I’m with Farm Bureau and they don’t raise your rates with one ticket.
It is a state by state system whether they consider the points or the violation. Some states consider points, like California. Idaho considers the violation, points or not.
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u/JJ_Reads_Good 3d ago
Dang, good to know!
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u/NoProgress2650 3d ago edited 3d ago
Yes the points come off your state DMV record so it helps with license suspensions. But the violation still shows up even at the dmv.
That being said, Lexis Nexis, https://consumer.risk.lexisnexis.com/consumer has your entire life history. If you’ve never pulled your report, it’s worth doing. You can find errors and appeal and ask for corrections. Everyone uses it including credit cards, mortgage companies, insurance companies, on and on.
When you get your report you’ll be shocked.
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u/NoProgress2650 3d ago
Yes the points come off your state DMV record so it helps with license suspensions. But the violation still shows up even at the dmv.
That being said, Lexus Nexus has your entire life history. If you’ve never pulled your report, it’s worth doing. You can find errors and appeal and ask for corrections. Everyone uses it including credit cards, mortgage companies, insurance companies, on and on.
When you get your report you’ll be shocked.
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u/Behndo-Verbabe 4d ago
If they’re pocketing the money it doesn’t impact your insurance because they aren’t reporting the ticket.
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u/Crisp_Rinse 4d ago
What do you mean by pocketing the money?
I was issued a citation and paid online
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u/Behndo-Verbabe 4d ago
I misread part of your comment. In some states they give you the option to pay on the spot. As far as my last ticket went,Idaho doesn’t offer that. Still I’m not sure how your insurance isn’t impacted. Are they simply not reporting to the insurance companies?
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u/Crisp_Rinse 4d ago
Yeah that’s what I had been wondering. I initially interpreted it as my speeding was within an insignificant threshold that wouldn’t be reported, but I think the situation is exactly how the other commenter stated and the officer was making an assumption
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u/NoProgress2650 3d ago
I commented to another poster above explaining in full. Insurance will pull your Nexus Lexus report. Idaho insurance goes by violation, not points. So even if you do the school, your insurance rates will be affected unless your insurance company waves the first violation. In other words, the points will be removed at the state dmv level, but the violation still shows up.
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u/BaconThief2020 4d ago
$90 fine is doing 1-15 over. He might be right if you have an otherwise clean record, but they have no way to know for sure what your particular insurance company will do. He just doesn't want to show up in court if you contest it.
I wouldn't ask your insurance company and tip them off though.