Subject: Discrepancy on My Driving Record Impacting Car Insurance Rates
I’ve noticed a significant increase in my car insurance rates lately. After some digging, I discovered that my insurance company has THREE speeding tickets listed under my name, despite the fact that I only received two tickets over two years ago. The third entry is for a non-moving violation (admittedly, it was for speeding, but it shouldn’t count as a formal ticket). Interestingly, the DMV only shows the first two tickets on my record.
I was advised to obtain my LexisNexus report and dispute this discrepancy. It’s definitely frustrating!
On a positive note, I’m proud to say that I’ve kept a clean record since then, with no new tickets.
My question is: Is there any way to get a refund for the extra charges incurred due to this erroneous third ticket? I can only assume it has added up over the last 1.5 years.
I’m also curious to hear if anyone else has faced similar issues.
It sounds incredibly frustrating to deal with incorrect information on your car insurance record, especially when it could lead to higher premiums. Pulling your LexisNexis report is definitely a good first step—once you have that, you’ll be able to see exactly what’s on record and why the insurance company has that third speeding ticket listed.
As for disputing the charge, once you get your report and confirm the discrepancy, you should contact your insurance company directly to explain the situation. If they acknowledge the mistake, ask if they can provide a refund for the overcharges based on that incorrect ticket. Some companies may refund you the difference if they adjust your premium due to the correction.
It might also be helpful to document all your communications with both LexisNexis and your insurance company, including dates and names of representatives you spoke with.
As for others experiencing similar issues, it’s not uncommon. Many people have found inaccuracies in their driving records that have affected their insurance rates. If you have the time and energy, consider sharing your experience either in reviews or forums—it might help someone else going through the same situation!
Good luck with your dispute, and it’s great to hear you’ve kept your record clean!