How will tihs mostly likely affect my insurnace?

This is a discussion on How will tihs mostly likely affect my insurnace? within the Traffic Law Questions forums, part of the Legal Questions & Answers Forum category; I was driving my 19 years old cousin car in South Carolina, I have a restricted license but I didn't have it with me (I know this was my first ...

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  1. #1
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    How will tihs mostly likely affect my insurnace?

    I was driving my 19 years old cousin car in South Carolina, I have a restricted license but I didn't have it with me (I know this was my first mistake), it was also around 11pm at the time with my curfew being 6pm or 8pm during DST on my license.
    There was a road block and i got pulled over I received a warning for driving without a license and a ticket for a restricted license violation for driving past curfew for $155.
    I was going to send in the money for the ticket because I live far away from the town it was issued. My question is what is the likely hood of it affecting my insurance, and would there be a better chance of it not affecting my insurance if i went to the court hearing?
    Also my cousin is worried if this is going to affect his insurance. Any answers would be a great help.


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    Generally insurance will increase for a moving violation. Your ticket is not a moving violation. There is no reason for you to go to court because the district attorney will not be able to help you with this ticket since there is likely nothing lower you can reduce the ticket to and you will not be successful in fighting it. If you want to be completely sure, you can just call your insurance company and ask them this same question.
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    This violation may carry points in California. These points can cause your insurance rate to increase if your insurance company find out about the addition. Every insurance company handles these things differently, so there is no way to tell exactly what will happen.

    There may also be additional penalties for breaking the law under the age or with a junior drivers license. So you want to keep an eye on your insurance for rate increases, and try to stay away from shopping for insurance till you are sure that your record is clear.

    Good Luck!
    Helping with license suspension and vehicle problems.
    None of my conversation on these forums be considered legal advice.

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    I'm an IL insurance agent, and (in IL at least) this would show up on your insurance, but most likely not be counted against you. However, each company is different, so you'd have to check with your current carrier.

    Whether or not you go to the court hearing would not have any effect on the insurance implications. Any plea you reach would still be entered as a guilty verdict, so no change.


 

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