Washington Auto Insurance Rate
Reader’s Question:
I received a speeding ticket followed by an accident 30 days after in Washington State. How long will this affect my auto insurance rate?
Kevin
Bellevue, WA
Insurance providers in Washington may charge you more if you have been involved in an accident or have been convicted of one or more moving violations. This is referred to as surcharge. In addition to that, the more claims you file, the more likely your auto insurance rates will increase.
Since the Washington State insurance regulator does not provide any information that suggests the state has a restriction then it will be up to the individual insurance companies’ rating system to determine how long the citations and accident can affect your auto insurance rates. An insurance company will normally rate you on traffic violations and accidents for a period of 3, 5 or 7 years.
Basically the WA DOL ticket and the accident will both stay on your driving record for five years so it likely will be 3 or 5 years that your insurance company will rate you on these incidents. To find from your current insurance carrier and find out how long the speeding ticket and accident (plus claims if there were ones made) can affect your car insurance rates contact your agent.
Will Out of Town Speeding Ticket Affect Car Insurance Rates?
Reader’s Question:
I received a ticket in Arizona and I just want to know if how much this will affect my insurance rate in where Im licensed, Washington. Thank you.
Carmi
Thank you for asking Carmi.
Washington and Arizona are both members of the Drivers License Compact. This means that the Arizona courts will share your traffic ticket and violation back to the Washington Department of Licensing (DOL), your home state.
The WA DOL site states that they keep a record of traffic violations, convictions for vehicle violations and for failure to appear or respond to traffic citation on every motorist in the state. This information is obtained by clerk of the courts and licensing agencies so it would show that the out of state information reported to the DOL would also be put on your WA driving record. You may check with the DOl to get more information about this..
If the Arizona traffic ticket is placed on your WA driving record then your insurance provider will be able to see it the next time they pull up your motor vehicle record (MVR). You may contact your insurance company to find out how much this violation can affect your insurance rate.
Goodluck!
MariCAR
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