How does the insurance company find out about moving violations?

fgeel: How does the insurance company find out about moving violations?
My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he’s received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?

Answers and Views:

Answer by altima
dmv records anyone…

Answer by craig m
hes got to be lying or had lawyer take his tickets to court and won!
tickets are sent to the states motor vechicle division, thats how they find out about your tickets!
TC GL 🙂

Answer by tonalc1
If you go to traffic school, the violation is not reported to the insurance company.

Your friend probably went to traffic school.

Answer by tina
when i got 2 speeding tickets within the same month, my insurance did not increase until a year later! for some reason that was the only time my bill was more, it went down after that

i dont know why they waited so long and how long it should increase your insurance, but it suppose to happen to anyone with a moving violation

Answer by Sue
The courts nor the police notify your insurance company. Insurance companies ask the DMV for copies of driving histories. Some companies pull motor vehicle records every renewal (6 months or a year). Some companies pull it every 2 or 3 years. Sometimes they only pull records when there is a young driver or claims on the policy. It all depends on the company. Some companies are not filed with the state to charge for tickets, some are. It all depends. Sometimes if there are too many speeding tickets, the company will just nonrenew the policy. Meaning, they will stop insuring the person on the renewal date.

Answer by Miss Meli
Great question!

Insurance companies use two reports: the CLUE and the MVR. Most companies, mine included, only rerun those reports on existing policyholders at the annual renewals. This is why in some cases, you won’t have a violation show up until a year or so later! No, the police don’t actually contact the insurance companies and tell us anything, so don’t worry about that. We have to do the looking ourselves.. insurance companies actually have to pay the DMV for that information, so they aren’t exactly going to be calling us up and giving it to us for free. 😉

Yes, it is possible to have violations without them raising the premium. It’s not something you want to bank on. If for some reason the insurance company doesn’t rerun your reports at that annual renewal, they won’t find out about them. I have, at times, come across long-term customers of my company that went four years or so without running their driving history, so I definitely know that it can happen! Only downside is that when they pick up on their err, they do have the right to go through and charge you for them at that point.

Answer by D.L.
Nobody notifies your insurance company, whoever told you that is full of sh*t… When your policy comes up for renewal, the insurance company is supposed to run your MVR (motor veh record) thru the DMV, and that is how they find out. They have a program, where they run your DL#, and it tells of any violations within the last six months, or so… So if they find one, they usally raise it about I dk 5-10percent usally 10-25 bucks, depending on severity of ticket… This will stay on your rates for at 3 years…