Will my Insurance Company See my Out of State Traffic Tickets
Reader’s Question:
I already have two speeding tickets, but they were not in my state which is Indiana. I got one speeding ticket in Nevada and the other one in Texas. Is that going to be “noticed” by my auto insurance company here in Indiana?
Lizzie
Fort Wayne, IN
Lizzie, I can see that the DLC or Driver License Compact is going to be a problem for you. You see, Indiana, Nevada and Texas are signatories of the said compact. Members of the compact agree to send to each other traffic violations done by each respective state’s motorists in their state. The DLC’s theme, “One Driver, One License, One Record” basically tells you a lot. Short version: your speeding violations, after they’re processed by Texas and Nevada will be sent to Indiana. It will be noticed by your auto insurance company come renewal time when they check on your driving history.
Now, for the speeding violation to appear in your driving record and to be transmitted to your home state, you will have to be convicted of the speeding charge first. If you dispute this charge in court and win, this won’t go to your driving record.
You also have some options to make the ticket go away. In some states taking a driving lesson, defensive driving lesson, perhaps, would persuade the state to have the ticket dismissed. This is, of course, depends on the gravity of the offense. You should ask your local government to know more about this, so you’d know what to do if ever this happens again.
Do I need Auto Insurance on a Car That I Don’t Use
Reader’s Question:
Do I have to have auto insurance on a vehicle even if I do not use it? What are the auto insurance laws in Indiana?
Jean
Terre Haute, IN
Normally if you have registration on your vehicle then most all states require you to continue to have insurance coverage on the car, even if you are not operating it.
If you do not want to insure a vehicle in Terre Haute, IN and it is off the public highways then verify with your state what steps to take. It will usually include turning in your license plates and registration on the car. If this is done then you can take car insurance off of the car normally without receiving penalties.
To verify what your state’s laws are regarding this contact your Department of Motor Vehicles (DMV).
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