Car Insurance Issue: Incorrect Speeding Ticket on Record
I’ve noticed a significant increase in my car insurance rates lately, which I suspect might be due to an area adjustment. To find ways to lower my costs, I decided to dig a little deeper. After some investigation, I discovered that my insurer has recorded three speeding tickets for me, even though I’ve only received two tickets—both of which were from over two years ago. The third ticket is actually for a non-moving violation (I admit I was speeding, but it shouldn’t count as a ticket). This discrepancy is puzzling because the DMV only lists my two actual tickets.
The insurance company suggested that I pull my LexisNexis report and dispute the error. It’s pretty frustrating to deal with.
On a positive note, I’ve managed to stay ticket-free since those two incidents, and I’m quite proud of that! 🙂
Now, I’m wondering if there’s a way for me to get a refund for the extra charges they’ve applied due to that incorrect third ticket. I’m guessing it has added up to quite a bit over the past 1.5 years.
Has anyone else experienced something similar? I’d love to hear your stories!
It sounds really frustrating to deal with inaccuracies on your record, especially when it affects your insurance rates. It’s great that you haven’t gotten any new tickets since then!
Regarding your question about getting a refund for the money you’ve been charged due to that incorrect speeding ticket, it’s worth reaching out directly to your insurance provider. If they can confirm that the third ticket was indeed a non-moving violation and not something that should have impacted your rates, they might be willing to adjust your premium retroactively. Be sure to have all your documentation ready, including any correspondence with the DMV and your LexisNexis report when you speak to them.
As for others experiencing similar issues, it’s not uncommon for mistakes to happen in driving records, either with state databases or insurance companies. Many people have shared similar experiences with having incorrect tickets or points affecting their insurance. Documenting everything and following up with the right channels usually helps in resolving the issue.
I hope you get it sorted out and see a drop in your premiums soon! Good luck!