Receiving a traffic ticket can be a frustrating experience, and it often raises questions about how it might affect your insurance rates and coverage. One common question is whether you are required to notify your insurance company when you receive a traffic ticket. Insurish LLC in Northville, MI is here with some insights into when it’s advisable to contact your insurer.
When to Notify Your Insurance Company
Typically, you should notify your insurance company when a traffic ticket results in the following:
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A change in your driving record: Any traffic violation that results in points on your driving record, especially for offenses like reckless driving or driving under the influence, should be reported to your insurer.
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An increase in your premium: Some minor traffic violations may lead to increased premiums, and it’s important to inform your insurance company to ensure you have adequate coverage.
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A potential suspension of your license: If your traffic ticket may lead to a suspended or revoked driver’s license, it’s crucial to notify your insurer, as this can have significant implications for your coverage.
Consult With Us
While not all traffic tickets require immediate notification to your insurance company, it’s essential to understand your policy terms and assess the severity of the violation. In cases where your driving record, premiums, or license status may be affected, it’s advisable to report the traffic ticket promptly. Ignoring this responsibility could lead to coverage gaps or increased premiums down the road, so it’s better to stay on the safe side and keep your insurance provider informed when necessary. If you’re looking to obtain a new auto insurance policy in the greater Northville, MI area, call Insurish LLC to start the process.
