friend got suspended license for 26 over

[zixxer]

he's 19.. going 91 in a 65..

license suspended for 6 months.



Will state farm drop his insurance?

 

[geno]

With no doubt in my mind, I can easily say: maybe.

 

[aswedc]

No matter. State Farm claims is horrible...

 

[Gibson486]

If it's his first offense, no.

 

[ironcrotch]

Well is he on by himself or with his 'rents. I would say most likely he wiill get dropped and will have to pay out the ass for the next provider.

 

[notfred]

What difference does it make if he has insurance if he has no license?

 

[aswedc]

Originally posted by: notfred
What difference does it make if he has insurance if he has no license?

Because if you have been continuously insured is a question every company asks on the application, so they can charge you more if you haven't been?

 

[shilala]

If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

 

[Gibson486]

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

 

[shilala]

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

 

[J0hnny]

Originally posted by: shilala

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

Yup, same here, I was got a ticket that could have suspended my license. Nope, insurance has not gone up in the last 5 years because of that. They'll never find out.

 

[Kelemvor]

All companies and states are different. Some companies run a check on your history every so often, some never do. Just have to wait and see. But for going 26 over, he deserves to have his insurance go way up.

 

[Gibson486]

Originally posted by: shilala

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

Speeding tickets will usually be reported if your state requires it.

Here is what raises your premium:

The conviction, not the ticket.

 

[J0hnny]

Originally posted by: Gibson486

Originally posted by: shilala

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

Speeding tickets will usually be reported if your state requires it.

Here is what raises your premium:

The conviction, not the ticket.

Trust me, I knew he meant conviction. The insurance company has to audit. Most large companies won't know it.

 

[Gibson486]

Originally posted by: J0hnny

Originally posted by: shilala

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

Yup, same here, I was got a ticket that could have suspended my license. Nope, insurance has not gone up in the last 5 years because of that. They'll never find out.

some companies have a first offense policy, where they ignore yoru first offense.......

 

[TuxDave]

Originally posted by: Gibson486

Originally posted by: shilala

Originally posted by: Gibson486

Originally posted by: shilala
If your friend drops his insurance while he's suspended, he'll definately pay more when he goes to get a new policy.
If he continues to pay his insurance, it's not likely that they'll catch the suspension and his insurance won't go up.
Some insurance companies do random audits of accounts, some do none. It costs money to check people's driver records. They make their money on you when you're cheap enough to drop your insurance and reapply. They always check your record when you open a new policy.
Been there twice myself. 😀

His insurance will go up either way......

If it is his first offense, he will likely not be dropped. If he exhibits the same behavior again in less than two years, he will most likey be dropped.

I disagree. Odds are that his insurance company will not find out unless he calls them and tells them. "Hi, I'm the stupid guy. I just got caught speeding excessively, will my insurance go up?"
There was no claim (no wreck) so there's no reason for them to look.
Another way he could get nabbed is if his insurance salesman is a superhero that reads the local police reports and cares enough to check his record. Odds there are huge.
Maybe it's policy to check young driver's records on a regular basis. I don't know that. I never got in trouble insurance-wise until I was older. I did have a number of speeding violations when I was 18-20 and my insurance never went up. I even had to go to bad driver's school and retake my test.
Two DUI's in my later life, and same thing.

Speeding tickets will usually be reported if your state requires it.

Here is what raises your premium:

The conviction, not the ticket.

That's why we have traffic school 🙂