Subject: Out-of-State Ticket: Will It Affect My Insurance?
I’m hoping to get some clarity on an out-of-state speeding ticket issue without having to ask my insurance company directly.
I’m insured through Geico in New Jersey, but I have a New York State license since I grew up there. Recently, while visiting Florida, I received a speeding ticket for going 6 mph over the limit.
From what I’ve found, Florida tickets don’t add points to a New York license, but the ticket could still be reported to my insurance provider.
I consulted with a Florida attorney who has a solid reputation. They mentioned they could help me get the points waived, but the ticket can’t be changed to a non-moving violation, so I’d still be dealing with a speeding ticket without points.
My concern is this: if I plead guilty to the speeding ticket but avoid points, will my insurance rates still increase? Or is my only choice to contest the ticket, even though that would cost significantly more than the ticket itself?
Any insights or advice would be greatly appreciated. Thank you!
When it comes to out-of-state speeding tickets, the impact on your insurance can vary based on a few factors. Since you have a New York State license and are insured in New Jersey, here’s what you should consider:
Reporting to Insurance: While Florida may not add points to your NY license, they can still report the ticket to your insurance company. Typically, insurance providers like Geico may check your driving record and the ticket could potentially affect your premiums.
Guilty Plea and Points: If you’re pleading guilty to the speeding ticket (even if points are waived in Florida), it’s possible that your insurer may still view it as an infraction. This could lead to an increase in your insurance rates because insurance companies often assess driving records for risk, regardless of state-specific point systems.
Fighting the Ticket: If you can successfully fight the ticket, you may avoid any negative repercussions on your insurance. However, as you mentioned, this option could be cost-prohibitive. It’s worth weighing whether the potential insurance increase is more than the cost of fighting the ticket.
Consulting with Your Insurer: While you want to avoid calling your insurance company directly, consider that they may have policies regarding how out-of-state tickets impact your insurance. You might be able to find this information online or by reviewing your policy documents.
Ultimately, the safest route might be to consult with the attorney you mentioned, as they can provide specific guidance based on your situation and your goals. Good luck, and safe travels!