At what point is insurance likely to drop you?

[Armitage]

1. Speeding (don't know details)
2. Speeding in school zone
3. Speeding in construction zone.
4. Running a red light.

She's with a regular carrier right now (Hartford) Don't know how long that will last.

 

[BigJ]

:shocked: to 2 and 3. Those are some narsty tickets in those zones arent they?

 

[Dedpuhl]

The person in question does not deserve a license.

 

[pulse8]

Originally posted by: Dedpuhl
The person in question does not deserve a license.

 

[Armitage]

Originally posted by: BigJ
:shocked: to 2 and 3. Those are some narsty tickets in those zones arent they?

Yep, fines doubled in construction zones, and I think you get some special treatment for school zones as well.
She managed to get new coverage a few months ago with tickets 2-4 on the her record.

 

[Linflas]

I got 2 within 2 weeks 1.5 years ago and another last March and so far my insurance company has said nothing.

 

[Legendary]

Originally posted by: Armitage

Originally posted by: BigJ
:shocked: to 2 and 3. Those are some narsty tickets in those zones arent they?

Yep, fines doubled in construction zones, and I think you get some special treatment for school zones as well.
She managed to get new coverage a few months ago with tickets 2-4 on the her record.

Unless she goes and talks to her insurance agent in extraordinarily skimpy clothing and gives him a little "bonus" I doubt she'll be holding onto her insurance for too long.

 

[Turfzilla]

3 strike rule. Don't know how the rest of the country is. Illinois says you get 3 moving violations in a year and you lose your license. Sounds like a good idea for the person at question before he/she kills someone.

 

[Armitage]

Originally posted by: Turfzilla
3 strike rule. Don't know how the rest of the country is. Illinois says you get 3 moving violations in a year and you lose your license. Sounds like a good idea for the person at question before he/she kills someone.

Wow ... didn't realize there was a risk of her losing her license at this point already.

I guess I'm coming across as nosy, but my kids ride in the car with her, and it's a condition of our divorce decree that neither of us knowingly allow the kids to ride with an uninsured driver.

 

[ucdnam]

I have 6 points on my record and The Hartford insures me. I haven't had a ticket in 3 years, so all the points just fell off this past month, but for the last 3, The Hartford didn't have problems with me and was the cheapest legit plan I cound find. My 6 points are from California also, not from other states where some incidents are worth more points than others.

I had one speeding at 100mph (sunday 8 am on the freeway,no one out so he let me go and no hassles) and one accident with me at fault totalling my car and 15k damages on the other one, an illegal left turn, because of that car accident.

 

[Ausm]

It's dumfvcks like that which raise insurance rates throw the roof!!


Ausm

 

[Kelvrick]

Originally posted by: Ausm
It's dumfvcks like that which raise insurance rates throw the roof!!


Ausm

Well, not yet, right? I mean, she's probably just paying out the ass right now, making it cheaper for us. Its only when she hits stuff, or commits fraud.

 

[Anubis]

our insurance has dropped us for far less

a few speeding tickets, normal ones like 70 in a 55 and then we had claims for broken windows because some anus through a brick throughn teh rear and side windows of 2 of the cars on the plan, nothing was stolen just broken windows

insurance Co said we were "HIGH RISK" people and dropped us after like 20 years of being with them

 

[Armitage]

Just found some info on license suspension in CO

12 pts in 1 year, or 18 pts in 2 years. Haven't found anything detailing points/violation yet though.

 

[Anubis]

im guessing you get the MAX points for running a red and speeding in a school zone so thats like 4 each, normal speeding is prob 2 and the construction zone is prob 4 as well so im gonna say shes fusked

you shoudl teach her how to drive

 

[eLiu]

Originally posted by: pulse8

Originally posted by: Dedpuhl
The person in question does not deserve a license.

No kidding.

 

[Armitage]

Ah ... found it.
5-9MPH over: 3 pts
10-19MPH over: 4 pts
20-39MPH over: 6 pts.
Other moving violation: 3 pts

Doesn't say anything about construction or school zones in the points schedule I found.

I know the construction zone ticket was for about 15 over, and maybe the school zone also. So she's at at somewhere between 13 and 15 pts in 18 months. I don't recall the exact timing of the stuff, there's a chance she's over 12 pts in a year

 

[Armitage]

Forgpt this bit ... if she took the automatic plea-bargain, and paid on time, it knocks 2 pts off each of the tickets. So she's probably safe.

 

[milehigh]

Originally posted by: Anubis
our insurance has dropped us for far less

a few speeding tickets, normal ones like 70 in a 55 and then we had claims for broken windows because some anus through a brick throughn teh rear and side windows of 2 of the cars on the plan, nothing was stolen just broken windows

insurance Co said we were "HIGH RISK" people and dropped us after like 20 years of being with them

You probably won't get dropped for tickets ONLY. It costs insurance companies $$ to run motor vehicle reports. States don't report tickets to insurance companies, insurance companies have to find them themmselves.

In Anubis case, when there are claims involved, insurance companies might look a little deeper. I know if someone had 2 or 3 claims with us and our QC dept runs an MVR and fines several new tickets as well than they will get non-renewed.

Bottom line is this, if you add tickets (especially multiple ones) don't be late on ANY payment, don't file claims and don't add new vehicles and the insurance company will probably never catch it. ALWAYS get court supervision if available.

 

[Bowmaster]

I guess I'm coming across as nosy, but my kids ride in the car with her, and it's a condition of our divorce decree that neither of us knowingly allow the kids to ride with an uninsured driver.

Listen, dumbass - DO NOT LET THIS BAD DRIVER drive YOUR kids around. Turn this b*tch in - you kids are far to valuable to give them to her. Why are you even questioning this? Sounds like she still has you by the balls...

 

[Armitage]

Originally posted by: Bowmaster

I guess I'm coming across as nosy, but my kids ride in the car with her, and it's a condition of our divorce decree that neither of us knowingly allow the kids to ride with an uninsured driver.

Listen, dumbass - DO NOT LET THIS BAD DRIVER drive YOUR kids around. Turn this b*tch in - you kids are far to valuable to give them to her. Why are you even questioning this? Sounds like she still has you by the balls...

Well, I don't have a choice unless she loses her insurance (and/or license). What exactly do I "turn her in" for? As ugly as the situation is, the kids still need to be with their mother, and if she can't drive, that becomes very difficult for everyone involved.

While the prospect of her paying through the ass for insurance is certainly amusing (especially considering the big check I wrote her last week), the prospect of her losing her license is not. On top of that, I'm concerned that thisbehavior may be a sign of some mental instability that my coun selor suggested I watch for. Prior to this, she hadn't had a ticket in at least 8 years.

 

[Armitage]

Originally posted by: milehigh

Originally posted by: Anubis
our insurance has dropped us for far less

a few speeding tickets, normal ones like 70 in a 55 and then we had claims for broken windows because some anus through a brick throughn teh rear and side windows of 2 of the cars on the plan, nothing was stolen just broken windows

insurance Co said we were "HIGH RISK" people and dropped us after like 20 years of being with them

You probably won't get dropped for tickets ONLY. It costs insurance companies $$ to run motor vehicle reports. States don't report tickets to insurance companies, insurance companies have to find them themmselves.

In Anubis case, when there are claims involved, insurance companies might look a little deeper. I know if someone had 2 or 3 claims with us and our QC dept runs an MVR and fines several new tickets as well than they will get non-renewed.

Bottom line is this, if you add tickets (especially multiple ones) don't be late on ANY payment, don't file claims and don't add new vehicles and the insurance company will probably never catch it. ALWAYS get court supervision if available.

Heh ... I know for a fact that she was planning on looking at new cars with the settlement money I paid her last week.

 

[Kelemvor]

Deserve to get dropped if you can't handle the responsibility of driving legally. Most places don't ticket you unless you are going far over the speed limit so by the time you get 4, you deserve what you get.

 

[allisolm]

schedule of points for Colorado

 

[dabuddha]

Originally posted by: Armitage

Originally posted by: Bowmaster

I guess I'm coming across as nosy, but my kids ride in the car with her, and it's a condition of our divorce decree that neither of us knowingly allow the kids to ride with an uninsured driver.

Listen, dumbass - DO NOT LET THIS BAD DRIVER drive YOUR kids around. Turn this b*tch in - you kids are far to valuable to give them to her. Why are you even questioning this? Sounds like she still has you by the balls...

Well, I don't have a choice unless she loses her insurance (and/or license). What exactly do I "turn her in" for? As ugly as the situation is, the kids still need to be with their mother, and if she can't drive, that becomes very difficult for everyone involved.

While the prospect of her paying through the ass for insurance is certainly amusing (especially considering the big check I wrote her last week), the prospect of her losing her license is not. On top of that, I'm concerned that thisbehavior may be a sign of some mental instability that my coun selor suggested I watch for. Prior to this, she hadn't had a ticket in at least 8 years.

Yes you do have a choice. Either A) get something done legally to keep this horrible driver away from a car when she has your KIDS or B) wake up to a terrible phone call one night (God forbid this happens).
I'm afraid I have to agree with Bowmaster here.