Do Speed Camera Tickets Affect Insurance Rates?

[Oktober]

There are no speed cameras in my state, as far as I know.

I was chatting with my next-next-next-door neighbor the other day. She was
driving from Chicago to DC. She also stopped to visit the Rock & Roll Hall of
Fame in Cleveland.(don't ask )

Anyway, a few weeks after she returned home, she received a nice surprise
from the City of Cleveland. It was a speed camera ticket with a photo
showing the rear of her car. I wonder how Cleveland even got access to
license plate info from other states, but I guess all states share this info?

The ticket said that no points are assessed and the recipient just had to pay it
online. (around $110?) The ticket was for 41mph in 35mph zone. That seems
a little harsh to me, but I guess that's just how they set up these cameras,
no?

Since it was cheaper to just pay the $110 than going back to Cleveland to
fight the ticket, she just paid it online.

My question is this... since she is from out of state, does Cleveland really not
report these speed camera tickets to anybody? Do auto insurance companies
have access to these records? She's just worried that her insurance rates
will go up next year.. .or is this not likely?

Thanks!

 

[djs]

There is no single answer to this question. Some states 'reciprocate', other don't. When no points are assessed for a ticket, it means the 2 states don't reciprocate, which is fancy talk for they don't enforce each others tickets.

This means it won't be on her MVR, which means the insurance company won't know about it (probably).

The other thing about this is, they know the vehicle was speeding, but they don't know the driver (for sure). They may not assign points because it would open up a bunch of legal challenges that they don't want to get into.

Dan

 

[Oktober]

There is no single answer to this question. Some states 'reciprocate', other don't. When no points are assessed for a ticket, it means the 2 states don't reciprocate, which is fancy talk for they don't enforce each others tickets.

This means it won't be on her MVR, which means the insurance company won't know about it (probably).

The other thing about this is, they know the vehicle was speeding, but they don't know the driver (for sure). They may not assign points because it would open up a bunch of legal challenges that they don't want to get into.

Dan

perhaps that's why they only take pictures of the rear of the camera... to avoid legal issues such as privacy and stuff... unless speed cameras in some foreign countries where the camera take clear shots of the faces of the speeding driver, because they do assign points over there.

 

[djs]

Oh, they can get clear pictures of the driver and they do. I've seen many of them from clients bringing them in.

My guess is they get paid on a pretty high percentage of going after the car and its not worth fighting the few that complain that it wasn't them as the driver. If they provide a picture, someone may not just pay it, but rather send it back as 'Not ME'.

Dan

 

[smokin goose]

Cleveland sucks! No wonder Lebron left.

 

[VolAgent]

Oh, they can get clear pictures of the driver and they do. I've seen many of them from clients bringing them in.

My guess is they get paid on a pretty high percentage of going after the car and its not worth fighting the few that complain that it wasn't them as the driver. If they provide a picture, someone may not just pay it, but rather send it back as 'Not ME'.

Dan

They do something similar here. Red light cameras. They can't put it as points on your license as they can't prove who was driving, no picture of the driver. I'm not sure if they can prevent you from renewing the tag if you don't pay or not.

 

[Oktober]

Cleveland sucks! No wonder Lebron left.

At least the Indians don't suck this year.

 

[USF3983]

In Florida, they'll afford you the opportunity to pay a fee before a UTC (uniform traffic citation) is issued. This should produce no points.

Once that time is up, you'll get a ticket for it. I guess you can take the ticket to court like any other ticket, but I don't know how lucky you'll be since they have you on camera. I learned all of this from personal experience, lol. It wasn't for speed though. It was running a red.

Some insurance companies waive the surcharge points on the first minor ticket or the second minor ticket. If they have a 3-year violation-free discount, she would lose that.

I'm not sure about license points, but as far as I'm aware (in Florida anyway) the owner is responsible and the true driver has to sign an affidavit stating that they were driving at the time if the owner wants to get off the hook.

 

[Oktober]

In Florida, they'll afford you the opportunity to pay a fee before a UTC (uniform traffic citation) is issued. This should produce no points.

Once that time is up, you'll get a ticket for it. I guess you can take the ticket to court like any other ticket, but I don't know how lucky you'll be since they have you on camera. I learned all of this from personal experience, lol. It wasn't for speed though. It was running a red.

Some insurance companies waive the surcharge points on the first minor ticket or the second minor ticket. If they have a 3-year violation-free discount, she would lose that.

I'm not sure about license points, but as far as I'm aware (in Florida anyway) the owner is responsible and the true driver has to sign an affidavit stating that they were driving at the time if the owner wants to get off the hook.

Her most recent traffic ticket was for having driving with hazard flashers on the interstate during a thunderstorm. I think she said it happened about 4 or 5 years ago?

Do the speed cameras in Florida take pictures of cars doing 41 in 35?

Just wondering....

 

[BlockO]

Most companies only go back 35 or 36 months for violations, comprehensive claims and not at fault accidents. Some companies go back 59 or 60 months for at fault accidents.

I have to agree that doing 41 in a 35 is a chickens**t ticket. I always heard "9 you're fine, 10 you're mine!".

Oktober, i'd say you're pretty safe from speed cameras down in FL.