Automobile Insurance Rate Maryland MD

Reader’s Question:

I got a question about speeding tickets. I know that normally getting a speeding ticket would have a negative impact on my car insurance rate since it would cause an increase on my premium. Now, my question is, do car insurance companies in Maryland find about the traffic right away? Or does it take some time?

Lorrie

Columbia, MD

Hello Lorrie!
According to my boyfriend who had several traffic tickets, in most cases car insurance companies do not find about the traffic violation right away. One of the reasons is that you need to be convicted first of the traffic violation before it reflects on your driving records. Once convicted, the court would report it to the Maryland Motor Vehicle Administration (MVA) to have it recorded on your driving record. Usually, this process takes about 30 days or sometimes it takes even longer.

There are some instances wherein you might also be able to qualify for a driving school to have the ticket removed from your record. If that is the case, then your car insurance company would never find about your traffic violation. Thus, it will not affect your auto insurance premium.

If you have other questions about car insurance rates in Maryland, you could also contact the MD Insurance Administration.

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