OT: How much are Seat Belt Violations now?

[pookstreet]

<a href=showthread.php?s=&postid=7157766#post7157766 target=_blank>Originally posted</a> by drake66
:lol: good one steve, good thing I have automatic seatbelts in my car

Hey Tony, you need to get a new car dude. They stopped putting those auto seatbelts in cars like 20 years ago or something :lol:

 

[drake66]

hahah funny you mention that, my car is from 91' which is exactly why I need a new car and why i'm doing this selling. so know you know my situtation.

 

[cthetoy]

<a href=showthread.php?s=&postid=7157180#post7157180 target=_blank>Originally posted</a> by bergamer
moving violations stay on your record for 5 years I believe ( or 7 years) insurance companies look for insurance purposes up to 5 years. (tickets are infractions which are removed from your record)
there is no such thing as a major violation.
if you receive a DUI or wreckless driving ticket, then it is a misdemeanor and stays on your record for life. Although I am not an attorney, yet.

I used to work for an insurance company a while back and some laws has changed. DUI, reckless, etc used to be 5 years but now its 7. Speeding, red light are still 3 years. The DMV does keep a lifetime record of all offences but only courts can access and neither you nor your insurance company can view past it. A quote from the DMV website

"Most driving offenses, such as hit and run, reckless driving, and driving under the influence, are designated as 2 points and will remain on your record for seven years from the violation date. Most other offenses are designated as 1 point and will remain on your record for three years from the violation date. Any "at fault" accident is normally counted as one point. "

 

[NicoleC]

Bankruptcy stays on your credit record for 7 years though.

Not anymore. Most bad info stays for 7 years, but Chapter 11 BK stays on for 10 years, and then the reporting agencies have up to another 6 months to get around to actually removing it. So in reality, a BK can hit you for 10 1/2 years.

Chapter 13 BK (debt reorganization) still falls off after 7 years... plus the 180 days.

 

[saltyESQ]

<a href=showthread.php?s=&postid=7158039#post7158039 target=_blank>Originally posted</a> by cthetoy
I used to work for an insurance company a while back and some laws has changed. DUI, reckless, etc used to be 5 years but now its 7. Speeding, red light are still 3 years. The DMV does keep a lifetime record of all offences but only courts can access and neither you nor your insurance company can view past it. A quote from the DMV website

"Most driving offenses, such as hit and run, reckless driving, and driving under the influence, are designated as 2 points and will remain on your record for seven years from the violation date. Most other offenses are designated as 1 point and will remain on your record for three years from the violation date. Any "at fault" accident is normally counted as one point. "

you are confusing how the DMV and the DA's office use your record. While they are essentially the same thing, The DMV counts as per points to determine your driving record to see if your are eligable to drive and only looks within a 5 year period of time per the violation. But if the violation will always remain on your record as a criminal violation.

and mercury insurance looks back 5 years for all violations, including speeding and running a red light.

 

[cthetoy]

<a href=showthread.php?s=&postid=7158335#post7158335 target=_blank>Originally posted</a> by bergamer
you are confusing how the DMV and the DA's office use your record. While they are essentially the same thing, The DMV counts as per points to determine your driving record to see if your are eligable to drive and only looks within a 5 year period of time per the violation. But if the violation will always remain on your record as a criminal violation.

and mercury insurance looks back 5 years for all violations, including speeding and running a red light.

Ok. Here is my best knowledge I have so far. I just dug up, installed and installed most current auto insurance quoting software on my PC updated the database to April 2006. Accidents and minor violations within three years will cause a surcharge towards your insurance premium. I the entered the dates after 3 years and the premiums did not go up including Mercury and the rates were the same if you had no minor violations. On Mercury's website they do indeed ask you for 5 years but they can only count the last 3 years.

Im not an attorney but you might be able to interpret this better but in 1988 Proposition 103 passed and stated that insurance companies can only go back 3 years accept for DUI, reckless, Hit and Run, etc to consider a good driver discount on their insurance premiums.

Here is a quote on one the provisions of Prop 103 from the CA Dept of Insurance website

Good Driver Discount Provision

Proposition 103 also stated that an insurer could not refuse to write an applicant that qualifies for a good driver discount (Section 1861.02 (b)(1) of CIC). Further, the good driver discount should be at least 20% below the rate the insured would otherwise have been charged for the same coverage (Section 1861.02 (b)(2) of CIC). Proposition 103 indicated that a person qualifies for a good driver discount if s/he meets all of the following criteria--licensed to drive a motor vehicle for the previous three years, has not had more than one violation point during the previous three years, and was not a driver of a motor vehicle involved in an accident which resulted in death or in total loss or damage exceeding $500, and was principally at fault. Accordingly, the Rate Regulation Division reviews companies' automobile classification plans and individual insurance policies to ensure these provisions are followed by insurance companies.