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Just got a ticket... a question.

A

Actaeon

Diamond Member
Does the insurance company automatically get a report from the police? Or do I have to contact them with the details?
 
Hrm... anyone know specific details on it?

It was 3 points on the licenses, the officer told me to take the school. Even after I take the school, and get the points deducted will my insurance rise?

I would call my insurance company, but I'm trying to avoid letting my mom know for a couple of days for various reasons.
 
Originally posted by: Actaeon
It was 3 points on the licenses, the officer told me to take the school. Even after I take the school, and get the points deducted will my insurance rise?
Click to expand...

If you get deferred adjudication & take traffic school your insurance company will never know about it.

Are you on your parents' insurance? How old are you?

My brother just got out of a 90 in a 55 by taking traffic school.

Viper GTS
 
Originally posted by: Viper GTS
Originally posted by: Actaeon
It was 3 points on the licenses, the officer told me to take the school. Even after I take the school, and get the points deducted will my insurance rise?
Click to expand...

If you get deferred adjudication & take traffic school your insurance company will never know about it.

Are you on your parents' insurance? How old are you?

My brother just got out of a 90 in a 55 by taking traffic school.

Viper GTS
Click to expand...

This is my first ticket... but what is deferred adjudication? I'm willing to take traffic school.

Yes, I'm on my parents insurance, I'm 18.

I'll let my mother know sooner or later... its just I'm looking at another car right now, and shes very involved in the payment process, so I'd hate for her change her mind from this stupid ticket.

Basically, I was making a left turn on a right only turn, cop pulled me over and gave me a $115 ticket and 3 points. This is a common place, its quite a stupid street... everyone does it (outside of the campus), and I guess they were crackin down on it today... they were pulling TONS of people over. About 4-5 cops just sitting out there watching people around the corner go through this turn, they just step out and pull people in. I saw maybe 5 cars come and go by the time I got in and left.
 
Originally posted by: Viper GTS
If you get deferred adjudication & take traffic school your insurance company will never know about it.

Viper GTS
Click to expand...

Interesting. Can one also get the 10% off discount from insurance as well in addition to clearing points?

 
in texas, deffered adjudication means you promise you can go a year (or some other amount of time) without any violations and if you do it gets wiped from your record and no insurance notification. the alternative is traffic school which you can take within 90 days of the ticket and it will get wiped and no insurance notification (you can do this once per year).

the time periods i mentioned are just off the top of my head and im not perfectly certain.

edit - the way people usually do it is -
first ticket get it wiped with driving school.
if you get another ticket within the year do deferred adjudication
hope you can go a yr without problems

the insurance is only notified if - you do deferred adjudication but have anohter violation in the year, you elect to just pay the ticket, or you dont get driving school done in time. ymmv by state...

edit x2 -
they notify the insurance, you dont. in my case (only one ticket, did driving school). after i gave them proof i completed the course, they sent notification that i had done defensive driving (but no notification it was done bc of a ticket). had i not done the course, they would have reported the ticket. also, TX does not have a points system
 
I think insurance co's can pull your record w/ the DMV. So, if you were to say, switch co's in a year or so they'll be able to see your not-so-clean records.

That could just be paranoia talking.
 
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