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Does Insurance Co know of out of state speeding ticket?


Old 07-09-2003, 03:27 PM
Rob 97 993c2
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Post Does Insurance Co know of out of state speeding ticket?

a friend (996 cab)got a speeding ticket in CT and he is a NY resident. The cop said "as you are out of state, if you mail in the ticket and pay the amount $279 for 85 in 55, then you will not receive any points as CT does not share points info out of state"

my questions
1) is this true?
2) will his insurance company still find out and raise his rates?
if so, i assume he should plede not guilty and speak to the DA as I have been advised to do on my recent ticket.
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Old 07-09-2003, 04:15 PM
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Call DMV in NY and ask them, do the same in CT. My guess is that since they border and actually have lots of commuters, they must share, but who knows?
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Old 07-09-2003, 04:47 PM
Rick Lee
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$279 for 30 mph over the limit is a gift. Here in VA that is a reckless with mandatory court appearance, lawyers, license suspension and humongous insurance rate hike.
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Old 07-09-2003, 04:54 PM
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My understanding when asked a similar question last year to my insurance broker is the points are sent over from NY to CT. However occassionally the points will not show up in another state. Depends on some luck I guess. I personally have no experiences.

Your friends insurance company finds out when they are ready to renew his policy and they check the DMV databases.
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Old 07-09-2003, 06:22 PM
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No lawyer here but my understanding is that the points you receive has little to do with your insurance rate. So CT does not send the points to NY and that means that your NY license will not be in jeopardy but the ticket itself will be connected to you and it will affect your insurance rate. This is logical because probably every state has its own point system but for an Ins. company 30 above is 30 above, no matter how many points that means.
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Old 07-09-2003, 08:10 PM
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Don't believe it ! Check it out. Cops love to tell those "just send in the fine" stories. Think about it.
Almost all of the states share databases and reciprocal information. Assume it WILL appear on your record in your home state; think of the
consequences of assuming incorrectly. If you have a letter from your state DMV and the DMV in the state where the ALLEGED offense occurred that confirm that neither shares information, you might be a bit more at east. I would not believe that for a moment though.
Also to consider is the fact that you, being out of state, are an easy mark. Not likely that you will fight the ticket, eh? Nice and clean bust, and a feather in his cap.
You are not guilty until you have been proven guilty. You have only been accused. Check out the following: <a href="" target="_blank"></a> <img border="0" alt="[byebye]" title="" src="graemlins/wave.gif" />
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Old 07-11-2003, 01:22 AM
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I last checked on this several years ago, but the story then was: if a NY resident pays an out-of-state ticket on time, it is not reported to NY (unless it is alcohol-related). However, if the insurance company decides to run a check, it can turn up (apparently, this is very rare).

I would call the DMV in Albany and inquire, just in case things have changed. Make sure your friend speaks with someone knowledgeable, which can be a challenge.
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Old 07-11-2003, 10:09 AM
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I haven't had any out of state tickets show up on my NY license or insurance records. None were alcohol related, so it appears to agree with Todd's post.

I think there is reciprocity with certain states, so this may be pure luck. Therefore, follow the advise above and check with DMV.
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Old 07-11-2003, 10:53 AM
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Well, I've had some colorful experiences out of state and researched some of this reciprocity and insurance checking stuff pretty thoroughly. My understanding of how my insur. co. (USAA) does it is that they run a check on your driving record every time they re-up your policy. Since I live in VA and have had a VA license for 7 yrs. now, they don't check DMV records in say NV or TX. So if I get into trouble in one of those states, as long at that state does not report it to VA's DMV, my insur. co. can never find out about it. They can only see what shows up on my VA record.

I had a pretty big problem in another state a few years ago, but struck a plea agreement, where I was assured the charge would stay in that state as long as I paid my fines and didn't drive there for 6 mos. Sure enough, years later, I've renewed my VA license once and my insur. policy several times. No one has caught it. However, I probably cannot move to that state for several more years without worrying about it showing up when I apply for a license in that state.
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Old 07-11-2003, 11:37 AM
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I just finished a Driver Safety Class last night (to prevent the ticket from appearing on my record). This was discussed and here is what we were told (I'm only passing on the info, can't verify it's correct):
1. A State will occasionally (their discretion) scan the databases to update in-state Resident records for tickets out-of-state. I've had a few that never showed up.
2. Your Insurance Company will occasionally (thier discretion) check MVD/DMV for your record. Rates will not increase for only 1 speeding ticket if it was NOT convicted as Excessive Speed for your State (in AZ that is =&gt; 20 over, except in School Zones and Interstae it's less)

That means even though I don't have a freebie anymore (since I took the class), my rates won't be raised if I get another ticket in the next 2 years. I haven't had one in 5 yrs so hopefully that trend holds.
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Old 07-11-2003, 12:11 PM
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FWIW: Here's a useful information sheet from the Pennsylvania Department of Transportation on The Driver's License Compact, which is how most home states hear of our various out-of-state transgressions:

<a href="" target="_blank"></a>

You might also Google "driver's license compact" for more info on this topic; there's plenty.

This does not answer the question of what your insurance company will do, but it does provide some useful perspective on the sharing between the states of information on out-of-state violations.

Regards to all.
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Old 07-11-2003, 12:21 PM
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Some states share information & some don't!!! I don't know what determines which states share & which don't but with CT & NY so small & so close I wouldn't be surprised if the do share. Now I had a ticket in NY (I think) when I was driving through & I just paid it & it doesn't show on my license. With this being said if you don't pay it & you get stoped in that state again your license will be suspended in that state & can be arested. I have heard of some states that require you to pay the fine that day. They escort you to the local court house to make sure you pay it before they let you leave. But I have only been told such stories, I have never been unlucky enough to expirence it myself.
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