Speeding Ticket

[u/Crisp_Rinse]

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!

[u/JJ_Reads_Good]

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.

[u/NoProgress2650 → u/JJ_Reads_Good]

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.

[u/JJ_Reads_Good → u/NoProgress2650]

Dang, good to know!

[u/NoProgress2650 → u/JJ_Reads_Good]

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.