Insurance question
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Freshman User
Joined: Apr 2007
Posts: 25
Likes: 0
From: northern, CA
Insurance question
Looking for some help. After driving for 35 years with one traffic violation, I now have two within the last month. One for speeding - on radar and guilty. The other for failure to make a complete stop at a stop sign. If it wasn't a complete stop, it was as close as you could get without.Just my word against his. SO, since I will only be able to do traffic school for one, is one better to get off my record as far as insurance points, or is there no difference?
Junior User
Joined: Apr 2008
Posts: 80
Likes: 0
From: Oak Hills, Ca
I would think the speeding would cause your ins. rates to go up more than the old CA roll. I know from experience insurance companies are hard on speeding. But I would call your ins. co. and ask.
Senior User
Joined: Dec 2007
Posts: 282
Likes: 0
From: Jacksonville, FL
If the violations are moving violations (as in your case), and each infraction has the same point value (which in FL they would), then it doesn't matter. You are taking the points off your DL, not the infractions. Additionally, from what I undersand, your insurance rates would only go up if you happen to have any changes in your policy that would require them review your DL record.
Another option is to request to have adjudication withheld on your most recent citation if you haven't gone to court for it.
Another option is to request to have adjudication withheld on your most recent citation if you haven't gone to court for it.
Tuned
Joined: Feb 2007
Posts: 461
Likes: 1
Thankfully, I have not had to try this. It may just be a hoax. If you go this route, let us know how it works:
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
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Lead Driver
Joined: May 2007
Posts: 5,613
Likes: 9
From: Flagstaff, Arizona
Thankfully, I have not had to try this. It may just be a hoax. If you go this route, let us know how it works:
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
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Post Fiend
Joined: Oct 2005
Posts: 10,626
Likes: 7
From: Plano TX and Brentwood TN
Looking for some help. After driving for 35 years with one traffic violation, I now have two within the last month. One for speeding - on radar and guilty. The other for failure to make a complete stop at a stop sign. If it wasn't a complete stop, it was as close as you could get without.Just my word against his. SO, since I will only be able to do traffic school for one, is one better to get off my record as far as insurance points, or is there no difference?
How much other stuff do you have insured with the same company? All my vehicles, house, barn, trailers, and one of my stallions is insured with the same company and a couple of yrs ago when I first started my mod sickness I had a couple of speeding tickets within a couple of months(would have had one more, but I was able to play dumb and get out of it, how I managed it I don't know and I know a cop was following me one time to see if it was me blowing smoke after I got my modified injectors in) of each other on an otherwise spotless record and they didn't raise rates on me and I didn't go to traffic school(at the time it would have cost me more money to go to the school then to just pay the fine each time). So if your already sending stupendous amounts of money to them already above and beyond just car insurance I really wouldn't worry about it.
Junior User
Joined: Mar 2008
Posts: 97
Likes: 0
From: Sammamish, WA / U.S. VI
I suspect this is just internet lore / myth.
There's a big glaring hole in the logic here - if this was true it would mean someone who doesn't bother to reply to or pay for an infraction at all wouldn't get a points penalty on their license and I'm sure this can't be the case or else nobody would ever pay a ticket for a moving violation.
There's a big glaring hole in the logic here - if this was true it would mean someone who doesn't bother to reply to or pay for an infraction at all wouldn't get a points penalty on their license and I'm sure this can't be the case or else nobody would ever pay a ticket for a moving violation.
Thankfully, I have not had to try this. It may just be a hoax. If you go this route, let us know how it works:
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
WHAT TO DO IF YOU GET A TRAFFIC TICKET
This advice was sent by a retired State Farm agent! This system has been tried and it works in every state. If you get a speeding ticket or went through a red light, or whatever the case may be, you're going to get points on your license and a surcharge on your auto insurance. This is a method to insure that youDO NOT get the points.
When you get your fine, send in a check to pay for it. If the fine is $79.00 make the check out for $82.00 some small amount over the fine. The system will then have to send you back a check for the difference, however, here is the trick:
DO NOT CASH THE REFUND CHECK!
Throw it away! Points are not assessed to your license until all financial Transactions are complete.
If you do not cash the check, then the transactions are NOT complete. The system has received its money and is satisfied and will no longer bother you.
This information comes from an unmentionable computer company that sets up the standard databases used by every state.
Senior User
Joined: Sep 2006
Posts: 279
Likes: 0
rdollie.
Using your logic...
After the citation is issued, the violator signs the citation to either pay the ticket or appear in court. in either case, the citation is not satisfied until either are done. "Not" doing either will in most cases end up with a bench warrant being issued for failure to appear.
In the event one pays the citation - and pays an overage resulting in a refund of the overage, the system may not close that case until the overage is acknowleged through their financial department. Or what have you.
Not saying the myth actually works, just debating your logic.
Cheers.
Using your logic...
After the citation is issued, the violator signs the citation to either pay the ticket or appear in court. in either case, the citation is not satisfied until either are done. "Not" doing either will in most cases end up with a bench warrant being issued for failure to appear.
In the event one pays the citation - and pays an overage resulting in a refund of the overage, the system may not close that case until the overage is acknowleged through their financial department. Or what have you.
Not saying the myth actually works, just debating your logic.
Cheers.
Lead Driver
Joined: Jul 2003
Posts: 7,406
Likes: 52
From: Wheatland, Mo
Insurance companies look differently at the type of violation. A 4 point speeding ticket can be dropped to a 2 point "Too fast for conditions" ticket. The insurnace company will charge more for the "Driving to fast for conditions" ticket than the speeding. I found this out the hard way. I thought I was doing good getting my 4 point speeding ticket changed to something else at only 2 points, thinking it would cost less on my rates....wrong. They go by the actual violation listed, not points.
Junior User
Joined: Mar 2008
Posts: 97
Likes: 0
From: Sammamish, WA / U.S. VI
Oh I'm not saying it's impossible - just illogical. In the pre-computer days with manual sequential processes I could easily see something like this happening. I just don't think it's likely these days. I could write the pseudocode for preventing this in 5 minutes and I don't have incentive. I bet the insurance companies would have funded a fix for this long ago so they can get there extra money for points.
Come to think of it I wonder if one were to go through with this and end up with a long-term open moving violation(s) whether you would actually still be covered by insurance?
Come to think of it I wonder if one were to go through with this and end up with a long-term open moving violation(s) whether you would actually still be covered by insurance?
rdollie.
Using your logic...
After the citation is issued, the violator signs the citation to either pay the ticket or appear in court. in either case, the citation is not satisfied until either are done. "Not" doing either will in most cases end up with a bench warrant being issued for failure to appear.
In the event one pays the citation - and pays an overage resulting in a refund of the overage, the system may not close that case until the overage is acknowleged through their financial department. Or what have you.
Not saying the myth actually works, just debating your logic.
Cheers.
Using your logic...
After the citation is issued, the violator signs the citation to either pay the ticket or appear in court. in either case, the citation is not satisfied until either are done. "Not" doing either will in most cases end up with a bench warrant being issued for failure to appear.
In the event one pays the citation - and pays an overage resulting in a refund of the overage, the system may not close that case until the overage is acknowleged through their financial department. Or what have you.
Not saying the myth actually works, just debating your logic.
Cheers.
Frmr Ford Trans Engr
Joined: Aug 1999
Posts: 24,731
Likes: 2,658
From: SE Florida
Posting Guru
Joined: May 2006
Posts: 1,889
Likes: 0
From: MACON, GA
Fact:
Coming out of WVA into VA thru a tunnel a young officer told me many stories. I should never have questioned what STATE he started to pace/trace/follow me. Long story short, he claimed I was 77 mph on 55 mph. NOT GUILTY. My worst mental play is I would go 9 mph over speed limit, aka, 64 on 55. Even if I were going down hill, and I was, changing regular glasses to sun glasses, I was NOT GUILTY.
Long story short. Cost me almost $1,000.00 for attorney and fine. Fact in VA is that 22 mph over speed limit can end you up in jail and a $2,500.00 fine. As times get tough, I don't trust anyone to be fair on the Interstates, so I just slow down and enjoy the fuel mileage increase.
Where the hell is Ron Regan when you need him???
Coming out of WVA into VA thru a tunnel a young officer told me many stories. I should never have questioned what STATE he started to pace/trace/follow me. Long story short, he claimed I was 77 mph on 55 mph. NOT GUILTY. My worst mental play is I would go 9 mph over speed limit, aka, 64 on 55. Even if I were going down hill, and I was, changing regular glasses to sun glasses, I was NOT GUILTY.
Long story short. Cost me almost $1,000.00 for attorney and fine. Fact in VA is that 22 mph over speed limit can end you up in jail and a $2,500.00 fine. As times get tough, I don't trust anyone to be fair on the Interstates, so I just slow down and enjoy the fuel mileage increase.
Where the hell is Ron Regan when you need him???