I recently had a speeding ticket but fortunately it was reduced to a no seat belt violation for $25 in Indiana. I was just wondering if it will go to my driving record and if it will raise my auto insurance rate in Bloomington IN? Thanks in advance!

Jasmine

Bloomington, IN

It seems like as if you had a speeding ticket that was dismissed and only a seat belt offense stayed as part of the ticket.

Like what you said, a seat belt violation is usually only cost $25 but it will likely go on your driving record. I have read somewhere that in Indiana most traffic offenses are infractions. Although an infraction is an offense against the State, it is not considered as a crime; it is only civil offense. .

Generally this type of ticket or offense will not cause your car insurance rate to increase in Indiana. But, there are some instances when it might raise your auto insurance rates if you have a high frequency of being cited for this type of violation. Also some insurers may remove any safe driver discounts which would cause your car insurance rates to rise.

How many years do moving violations remain on your driving record in Anderson, Indiana?

Frances

Anderson, IN

The state of Indiana assesses point values to different traffic violations. These points can range from two points to eight points depending on the seriousness of the infraction. Points are then place onto your driving record and stay active for 2 years from the conviction date of the violation.

The Indiana Bureau of Motor Vehicles (BMV) the points may be disregarded after 2 years but the infractions stay on your motor vehicle record since IN state continues to track your infractions. If they find you have committed repeat traffic violations over a ten year period, Indiana will classify you as a habitual traffic offender. The Habitual Traffic Violator law for repeat violators provides for suspension of license of 5 years, 10 years, or life.

If I drive without insurance in Indiana and get caught, what will be the penalties? Can you send me a cheap car insurance quote?

Tom

Fort Wayne, IN

According to Indiana Legislative Code 9-25-4-1 a person in Indiana may not register or operate a motor vehicle if financial responsibility (FR) is not in effect for the car. The operator of a vehicle that is without insurance in Indiana is subject to a 90 day license suspension or a year suspension if this is a subsequent violation of the FR law within three years.

Driving without car insurance in Indiana is a Class A infraction, unless you have had prior convictions for this infraction then it is considered a Class C misdemeanor. Other than getting your license suspended, the operator of an uninsured vehicle could also be assessed points according to IC 9-25-8-5. The number of points assessed shall be determined by the point study committee based on an assessment of the situation.

You may contact the IN Bureau of Motor Vehicles to get more information on penalties for driving without insurance in Indiana .