Will my insurance go up?

LeftLaneInPA

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First, a little bit of background: our house has been modified to a duplex and my wife's parents live with us. Luckily, I get along great with my in-laws and I'm perfectly fine with this arrangement. They're elderly (around 78-ish) and we have one of our cars set aside for my father-in-law's use. The car and insurance is in our name.

So yesterday when I was picking up the mail, I notice that my father-in-law got something from the local District Justice. I asked my mother-in-law about it and was told that the FIL was pulled over by the PA State Police not too far from our house and received a citation for speeding. My jaw hit the floor. When I think of my FIL's driving habits, it's more "Driving Miss Daisy" than "Speed Racer". He is, quite literally, the last person I know who I would expect to get a speeding citation.

Anyway, the letter in the mail from the DJ was a receipt. He pled guilty and already paid it. So it's done and over with and too late to do anything about that. According to the paperwork, the citation was for going 5-10 over the speed limit. How petty!

According to PennDOT, that violation is worth 2 points. So my question is: as the car and insurance is under our name, will our insurance rates go up? Obviously, I don't want to call our insurance company and ask them.
 

Samoyed

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Insurance is risk distribution based on individual risk. If you were an underwriter, would you reassess the risk?
 

yul711

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@OP,

I believe it depends on whether your FIL is listed with your insurance as resident in your household and regular (not occasional) driver under your policy? If yes, his driving record may affect your policy rate at renewal.
 

STS-134

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You can't take traffic school to hide the points from the insurance company?

Sounds like your FIL needs a talk about not ever giving away his get out of jail free card.
 

LeftLaneInPA

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You can't take traffic school to hide the points from the insurance company?
But it wasn't me who was cited.
Sounds like your FIL needs a talk about not ever giving away his get out of jail free card.
Yeah, I'm going to have a sit-down with him this weekend. Guess I'll be putting a RD in that car and teaching him how to use it.
 

GotWake

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It shouldn’t affect your insurance unless he is list on it. Now, if he’s on it, it could affect it.
 

BlueV1

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[Idealistic concept alert] :)
Your insurance agent works for you. You should be able to ask your agent about things like this without concern. Here's why: (Idealistically)

If the ticket will raise your insurance; mentioning it to your agent before the renewal date of your policy should not change anything. They aren't in control of what is reported about your driving record. When the policy gets renewed they look for new tickets at that time so it will be added then regardless of whether your agent knows about it or not. A discussion with your agent might even help the situation.
[/Idealistic concept alert]

In reality, I also would be concerned about talking to an insurance agent in a situation like this. We aren't wired that way. :) But, you still might consider asking your agent about it. Maybe ask a "hypothetical scenario" question first such as, "If my friend received a small ticket..."
 

Phantom Z3

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You can't take traffic school to hide the points from the insurance company?

Sounds like your FIL needs a talk about not ever giving away his get out of jail free card.
I know in Georgia you can take defensive driving once every 5 years to erase 6 points (I think it was).

And he's old so he can negotiate with a solicitor and the judge alot easier. I can't say shit in court to defend myself without a lawyer it seems...
 

GTO_04

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He already plead guilty so it's too late to change that or take driving school to avoid points. If he is listed as a driver on your insurance policy, yes your rates will probably go up.

GTO_04
 

Samoyed

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Guys, if you are insured by someone like Snake Farm, the agent is NOT your agent but theirs so beware. If you have a broker, he is YOUR agent, owes you a fiduciary duty and will freely answer YOUR inquiry.
 

87GN

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God Bless you! Prayer! Elders can be a bitch!
 

DocH

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I will say Major Kudos to You for helping Your FIL in the ways You do!!
Way to many ppl "just think of Old People as a nuisance" forgetting all of the Life The older folks have been thru.
Also, those "old ppl" have, most likely ( I realize there are exceptions) helped Us Younger ppl make it thru Life IMO.
Doc
 

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