Insurance companies that serve local communities like Lamont and Shafter
can decide coverages and set rates with rather minimal interference from
the state. But what happens if they refuse to extend coverage, do not
mention the lapse, and you have an accident?
Sylvia and Richard began dating in 2010. Sylvia wanted to add Richard to
her auto insurance policy, but her agent said that was a bad idea, because
Richard had two speeding tickets on his record. Sylvia agreed, and the
matter never came up again, even when the couple married in 2012. Richard
caused a four-car accident in July of that year, and the insurance company
refused to pay, because he wasn’t listed on the policy.
Insurance companies can also cancel a policy if the premium payment is
one day late; there is no grace period.
Traffic Tickets and Insurance Rates
Although the agent should have reminded the couple about the exclusion,
after all, he would’ve made a commission on the deal, he was right
to initially exclude Richard from the policy, because speeding tickets
have a major effect on insurance rates in California.
It’s illegal for companies to use credit scores to set rates in The
Golden State. But that exclusion means that driving records are about
the only way that companies assess risk. Some
- Reckless driving – 80 percent increase,
- “Careless” driving, including changing lanes without signaling
– 30 percent increase,
- Speeding – 30 percent increase, and
- Running a Red Light – 20 percent
These are nationwide averages, so the California increase is probably even
higher, particularly when figuring lost good driver discounts. In most
cases, drivers are eligible for a reduction after three years. An attorney
can get the traffic ticket charges
reduced, to lessen the impact on your premium payments.
Getting Legal Help
The aggressive lawyers at Bigger & Harman, APC, are committed to giving
individuals a voice when dealing with speeding and traffic tickets. Call
today at 661-859-1177 or email
email@example.com to receive the personal professional attention you deserve. En español,
llame al 661-376-0214.