Traffic Violations and Auto Insurance Premiums Nevada NV
Reader’s Question:
I’m Sylvia, and I’m in Henderson, NV. I know that there is this auto insurance “conspiracy” that exists that monitors my driving record wherever I go, but how fast do these driving infractions get to and affect my auto insurance premium? Do they find out immediately or are you given ample time to react?
Sylvia
Henderson, NV
Sylvia, your conspiracy theory is right, although it’s not as ominous as you made it sound. This is crucial so that people will be mindful of the way they drive even when they’re not in the state of Nevada. You’re supposed to be a nice driver even when you’re not home. This conspiracy helps in keeping us levelheaded on the road.
To answer your question – bad driving record, as opposed to bad news, does not travel so fast. Speeding violations don’t reach auto insurance companies immediately for a few reasons. Well, you have to be convicted of the speeding charge first before it can go to your driving record and your insurance company. If ever you get convicted of the violation, the court will then transmit the conviction to the Department of Motor Vehicle. It will then go to your motor vehicle record. Usually, this whole process takes a month or so. Obviously, you can keep this from reaching the auto insurance company if you contest the ticket and win. There are also ways to have the ticket dismissed. Taking some key driving lessons can do that for you. No convictions, no effect on your auto insurance premium.
Now, once the speeding violation is entered in your motor vehicle record, your auto insurance company can then see it. But they only usually pull out you driving record during renewal time or when you’re applying for auto insurance coverage. The traffic violation record will not affect your premium halfway through your policy term.
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