Question about citations 3 yrs later

[keithaba]

From what I understand, tickets clear from you driving record in 3 years.

I was curious if anyone has ever had a ticket, then 3 years from the date, their insurance went down?

Did you have to call to get a new quote? Did you switch companies?

The reason I ask is two-fold. First, I have a speeding ticket from that just went over 3 years ago. Recently, my insurance went up??? I was expecting it to go down because that ticket had cleared.

2nd, I have a wreckless driving charge (don't ask) that goes away this year. After that, no tickets in 3 years. I can't comprehend my insurance not going down. I pay 1017.60 with bare minimums. No collission, minimum liability.... From what I've seen, most (with clean driving records) are paying way less with collision.

I expect the rates should sharply drop once the wreckless driving charge clears. Any info, suggestions.... apreciated!

 

[odot]

This is where the local law enforcement folks chime in.

But, if you can't kiss and tell aboot the "wreckless driving" incident this thread get's two thumbs down from me.

 

[keithaba]

This is where the local law enforcement folks chime in.But, if you can't kiss and tell aboot the "wreckless driving" incident this thread get's two thumbs down from me.

Let's just say, LEO's don't take tripple digits on a dead straight back country road with no entrances for over a mile as lightly as I do.

 

[DaSpyda]

They usually make an adjustment at time of renewal, not beforehand.

Now that your record is somewhat clear, shop around...

 

[mdisher]

For most purposes..

The State(s) look back (1) year.

Insurance companies (3), though some up-to (7) depending on the infraction (DUI or what not).

Insurance companies also keep accident histories for much longer and now share that info with other carriers.

When I went to contest a ticket last year, the judge looked at my clean record for the past 10 years, but then couldn't over-look the 17 pages of uhm, notes from my teenage years... :/ Ergo, he didn't let me plea it down to an equipment violation like he did with quite a few others that day.

-MD

 

[Geezer]

In NY the state keeps the infraction on file for three years and the insurance companies 'remember' them for five years.

 

[HYCLE]

This is where the local law enforcement folks chime in.But, if you can't kiss and tell aboot the "wreckless driving" incident this thread get's two thumbs down from me.

Let's just say, LEO's don't take tripple digits on a dead straight back country road with no entrances for over a mile as lightly as I do.

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

 

[keithaba]

This is where the local law enforcement folks chime in.But, if you can't kiss and tell aboot the "wreckless driving" incident this thread get's two thumbs down from me.

Let's just say, LEO's don't take tripple digits on a dead straight back country road with no entrances for over a mile as lightly as I do.

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

Let's just say, LEO's don't take ME DOING tripple digits on a dead straight back country road with no entrances for over a mile as lightly as I do.

There fixed it!

 

[odot]

Um, what do the entrances have to do with it?

 

[wheatonFJR]

Um, what do the entrances have to do with it?

Possibility of collisions/hurting other people goes way down if there are no entrances...

 

[Jagermeister]

From what I understand, tickets clear from you driving record in 3 years.
I was curious if anyone has ever had a ticket, then 3 years from the date, their insurance went down?

Did you have to call to get a new quote? Did you switch companies?

The reason I ask is two-fold. First, I have a speeding ticket from that just went over 3 years ago. Recently, my insurance went up??? I was expecting it to go down because that ticket had cleared.

2nd, I have a wreckless driving charge (don't ask) that goes away this year. After that, no tickets in 3 years. I can't comprehend my insurance not going down. I pay 1017.60 with bare minimums. No collission, minimum liability.... From what I've seen, most (with clean driving records) are paying way less with collision.

I expect the rates should sharply drop once the wreckless driving charge clears. Any info, suggestions.... apreciated!

It depends on your Insurance Carrier, and the "Conviction" record. Some check your record at renewal, but some don't. Most companies surcharge 10-15% for 1 Speeding ticket; the Wreckless Driving will impact more. My suggestion is to shop now, including your current company; then again in 6 months (assuming the wreckless driving is off your record then).

Depending on the "Conviction" status, wreckless driving can remain on your record up to 5 years in KY: Clicky

 

[keithaba]

From what I understand, tickets clear from you driving record in 3 years.
I was curious if anyone has ever had a ticket, then 3 years from the date, their insurance went down?

Did you have to call to get a new quote? Did you switch companies?

The reason I ask is two-fold. First, I have a speeding ticket from that just went over 3 years ago. Recently, my insurance went up??? I was expecting it to go down because that ticket had cleared.

2nd, I have a wreckless driving charge (don't ask) that goes away this year. After that, no tickets in 3 years. I can't comprehend my insurance not going down. I pay 1017.60 with bare minimums. No collission, minimum liability.... From what I've seen, most (with clean driving records) are paying way less with collision.

I expect the rates should sharply drop once the wreckless driving charge clears. Any info, suggestions.... apreciated!

It depends on your Insurance Carrier, and the "Conviction" record. Some check your record at renewal, but some don't. Most companies surcharge 10-15% for 1 Speeding ticket; the Wreckless Driving will impact more. My suggestion is to shop now, including your current company; then again in 6 months (assuming the wreckless driving is off your record then).

Depending on the "Conviction" status, wreckless driving can remain on your record up to 5 years in KY: Clicky

I know the conviction stays on your record for 5 years, but I thought insurance companies could only hold a record against you for 3 years. I guess it depends on the company. I just don't think my insurance company is going to answer me honestly about this one. Maybe shopping around will yeild more info, but most companies will not even insure you with a wreckless driving conviction.

 

[Bounce]

Seems to me that (when i first started driving) it used to be "no tickets in 3 years" and the oldest ones start dropping off at the 3 year mark but get a new ticket and they hung around for (5 or 7 or something).

 

[Fred W]

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

Yeah, you are right, he is crazy and he is lucky. He's lucky some nocturnal animal didn't stroll out in the road. By the time he saw it, it would all be over but the crying. Anybody that goes 130mph on a bike in the dark has to be crazy.

 

[keithaba]

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

Yeah, you are right, he is crazy and he is lucky. He's lucky some nocturnal animal didn't stroll out in the road. By the time he saw it, it would all be over but the crying. Anybody that goes 130mph on a bike in the dark has to be crazy.

Not trying to be a dick, but easy on the Hi-jack there Hoss!

I'm trying to figure out how to save my money, we can save someone else's ass in another thread!

 

[Fred W]

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

Yeah, you are right, he is crazy and he is lucky. He's lucky some nocturnal animal didn't stroll out in the road. By the time he saw it, it would all be over but the crying. Anybody that goes 130mph on a bike in the dark has to be crazy.

Not trying to be a dick, but easy on the Hi-jack there Hoss!

I'm trying to figure out how to save my money, we can save someone else's ass in another thread!

Right-o, mea culpa.

As to your original question, wouldn't it depend mostly on your insurance company as to when they erase priors? You could always just call them up and ask 'em...

Generally, I shop around for the lowest price all the time anyway. If one of them just doesn't happen to catch wind of your prior mischief, Bob's your Uncle.

 

[VMax_03]

A friend of mine was on one of those straight back country roads the other night. A car pulled out of a side road some distance ahead and started to pull away from him. He could not let that go so he chased him down. It took a while since the car was pulling away from him at 90mph. When he caught up to the car he was doing 130mph and noticed the light bar on the patrol car he had caught. He backed off the and the LEO kept going. It took some extra cleaning when he got home to get the stain out of his shorts, but no ticket. Some crazy guys have all the luck.

Yeah, you are right, he is crazy and he is lucky. He's lucky some nocturnal animal didn't stroll out in the road. By the time he saw it, it would all be over but the crying. Anybody that goes 130mph on a bike in the dark has to be crazy.

Not trying to be a dick, but easy on the Hi-jack there Hoss!

I'm trying to figure out how to save my money, we can save someone else's ass in another thread!

It might be the result of a less-than-perfect credit report that's affecting you. I'm not saying that that's the cause, or that your credit is poor, but it does have a seriously negative effect in some cases. Insurers seem to believe that lower credit ratings somehow equal higher insurability risk.

I'd try to find a reputable agent and let them work the process for you.

Regards,

JW

 

[keithaba]

Well I checked 2 things. First, the ticket I thought cleared hasn't. It's from the date the ticket was resolved in court, not the date of issuance. So the increase in my policy was caused by their forumula for rates in this area (per Progressive).

I called Geico and Progressive to ask how long they go back in your driving record, and both said 3 years.

They also told me if I combine my 2 bikes, auto, and homeowners, I would get a big discount. Looks like my insurance costs will be going down pretty significantly in the second half of this year!!! :clapping: :yahoo:

 

[SPORT]

From what I understand, tickets clear from you driving record in 3 years.
I was curious if anyone has ever had a ticket, then 3 years from the date, their insurance went down?

Did you have to call to get a new quote? Did you switch companies?

The reason I ask is two-fold. First, I have a speeding ticket from that just went over 3 years ago. Recently, my insurance went up??? I was expecting it to go down because that ticket had cleared.

2nd, I have a wreckless driving charge (don't ask) that goes away this year. After that, no tickets in 3 years. I can't comprehend my insurance not going down. I pay 1017.60 with bare minimums. No collission, minimum liability.... From what I've seen, most (with clean driving records) are paying way less with collision.

I expect the rates should sharply drop once the wreckless driving charge clears. Any info, suggestions.... apreciated!

Yes! My insurance company (Progressive) automatically reduced my fees after three years (from an accident). Funny, when I added up the cost of the get-off and compared it to the additional fees of a raised insurance rate, it was all about the same. Looks like the insurance co. stay ahead of the game this way.

I'd shop around to other insurance companies for quotes, then call your insurance company and have them give an explanation for the increased rate. If you don't like it, then tell them you'll leave if they are unwilling to compete.