Is it possible for my insurer to track my ticket !

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PostPosted: Wed Nov 23, 2005 11:10 am   Post subject: Is it possible for my insurer to track my ticket !  

My driving license is in Florida and I got a ticket in Alabama. Now, when my insurance company renews my policy will they check my driving record for all the states that i usually drive in? If so then how do they get to know abt the ticket?


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PostPosted: Thu Nov 24, 2005 4:29 am   Post subject: You can not hide your ticket !  

It is a common practice among insurance companies to review driving records when you apply for renewal. Regarding listing of your conviction, it depends on the state. Florida may or may not list your ticket. If it is listed then your insurance company can always get your complete driving record from sources like http://www.stateofflorida.com/Portal/DesktopDefault.aspx?tabid=23

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PostPosted: Thu Jan 31, 2008 11:52 pm   Post subject:   

Kelvin said:



Quote:
It is a common practice among insurance companies to review driving records when you apply for renewal.




Sorry Kelvin--- not the case. No insurer will run your MVR at every renewal, it's simply too expensive. Just about every carrier will run an MVR after any type of accident, but in the absence of that, will typically run an MVR only every 18-24 months. Again, there are always variations between carriers. Additionally- you don't APPLY for renewal. You are either renewed based on the carriers underwriting criteria and current rating structure for that underwriting, you are non-renewed, or you are offered placement into a different rating tier offered by that carrier.



Next, here's what Random the OP stated:



Quote:
My driving license is in Florida and I got a ticket in Alabama. Now, when my insurance company renews my policy will they check my driving record for all the states that i usually drive in? If so then how do they get to know abt the ticket?




If they run your MVR, the likelihood is that they WILL find out about your out-of-state ticket. Just about every insurance company subscribes to a national database that lists ALL tickets that have been adjudicated in ANY state in the country. Years ago, you used to be able to get rid of your "bad MVR state" drivers license, go to a different state, apply for your drivers license in the new state, and POOF! Have a brand-spankin' new and clean MVR! That doesn't occur anymore. Big brother is alive and well!



Good luck with this!



Lori---any comments?



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PostPosted: Tue Feb 05, 2008 1:06 am   Post subject:   

They will pick it up IF they run the report. How many tickets do you have? Usually one will not raise your limits will it? I would think that if you are a safe driver with one ticket you should be ok.

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