Illegal u-Turn = $600/yr in insurance!
04-30-2001, 09:52 AM
#12
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Insurance in Taxachusetts...
Its all about what step you are. Unless the cop gave you 2 or 3 tickets at one time (its happened to me) your insurance increase couldn't have been due to just the U-turn.
A minor moving violation like an illegal U-turn will result in a 2-step increase on your insurance. Each step is a 7% increase on collision, compulsory injury, personal injury, and other-property damage. Which should mean a 14% increase to those parts of your insurance. Also, you'll go down a step for every year you have a clean record. So, in two years your insurance should be back to what it was pre-ticket.
I'm in Taxachusetts too, and I haven't heard about the reclassification. I'm going to call my insurance company right now and find out.
A minor moving violation like an illegal U-turn will result in a 2-step increase on your insurance. Each step is a 7% increase on collision, compulsory injury, personal injury, and other-property damage. Which should mean a 14% increase to those parts of your insurance. Also, you'll go down a step for every year you have a clean record. So, in two years your insurance should be back to what it was pre-ticket.
I'm in Taxachusetts too, and I haven't heard about the reclassification. I'm going to call my insurance company right now and find out.
04-30-2001, 09:56 AM
#13
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That doesn't seem right...
A minor traffic violation is 2 points. You shouldn't gain an extra point because you didn't have an "incident-free year". It just means that you won't lose a point this year (which you wouldn't anyways since step 9 is the lowest).
See the Massachusett's online driving manual.
If you are already step 9 you should go to 11, not 12. After next year you should be at 10, then 9 again.<ul><li><a href="http://www.state.ma.us/rmv/dmanual/dmanual.pdf#Page=150">Driving Manual for Taxachusetts</a></li></ul>
See the Massachusett's online driving manual.
If you are already step 9 you should go to 11, not 12. After next year you should be at 10, then 9 again.<ul><li><a href="http://www.state.ma.us/rmv/dmanual/dmanual.pdf#Page=150">Driving Manual for Taxachusetts</a></li></ul>
04-30-2001, 10:00 AM
#14
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geezus... MOVE! lol
here in NM insurance does not go up for minor violations like illegal U-turns.
Hell after being clean for 5 years I got 1 speeding ticket (65 in a 55) and an illegal U-turn ticket (both over two months ago). I just renewed my insurance and it dropped 200 bucks
I've never had mine go up unless insurance had to pay for something due to an accident
Hell after being clean for 5 years I got 1 speeding ticket (65 in a 55) and an illegal U-turn ticket (both over two months ago). I just renewed my insurance and it dropped 200 bucks
I've never had mine go up unless insurance had to pay for something due to an accident
04-30-2001, 10:14 AM
#16
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That's not the way it works
You start at step 15. Then check your records for the past 6 years. For each year that nothing happened, you get 1 point off. This brings you to the lowest step, 9.
Let's say (hmmm, we can take my example...) that you got a speeding ticket in 1997 and that was your only violation in the past 6 years. Since that was your only violation, you don't get any "extra" points, you just don't get the 1 point discount for that year. You get 1 point off for each of the 5 years that that you were clean, but that 1997 ticket will leave you at step 10 for 6 years. Annoying, but that's how it works. I'll be at step 10 for another 2 years. 6 years to pay for a speeding ticket is just plain annoying.
Now let's say that you got ANOTHER ticket in 1998. Going back 6 years, you only have 4 years without an incident. That brings you down to step 11. But, because you already had one incident, you do get the "extra" points for the second. You said it's 2 points for minor violations, we'll use that, and that brings you to step 13.
So, with just two violations, you'll be at step 13. In the example above, assuming no other incidents, you'd stay at 13 until 2003 (1997 + 6 years), when you'd drop to step 12 (you'd now have 5 years of incident free driving in the past 6 years). In 2004 you'd get the safe driving point back, plus the 2 for the violation, dropping you back to 9.
Bottom line, whenever you get something, you will not be back at step 9 for another 6 years.
Let's say (hmmm, we can take my example...) that you got a speeding ticket in 1997 and that was your only violation in the past 6 years. Since that was your only violation, you don't get any "extra" points, you just don't get the 1 point discount for that year. You get 1 point off for each of the 5 years that that you were clean, but that 1997 ticket will leave you at step 10 for 6 years. Annoying, but that's how it works. I'll be at step 10 for another 2 years. 6 years to pay for a speeding ticket is just plain annoying.
Now let's say that you got ANOTHER ticket in 1998. Going back 6 years, you only have 4 years without an incident. That brings you down to step 11. But, because you already had one incident, you do get the "extra" points for the second. You said it's 2 points for minor violations, we'll use that, and that brings you to step 13.
So, with just two violations, you'll be at step 13. In the example above, assuming no other incidents, you'd stay at 13 until 2003 (1997 + 6 years), when you'd drop to step 12 (you'd now have 5 years of incident free driving in the past 6 years). In 2004 you'd get the safe driving point back, plus the 2 for the violation, dropping you back to 9.
Bottom line, whenever you get something, you will not be back at step 9 for another 6 years.
04-30-2001, 10:16 AM
#17
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The state sets the rates regardless of insurer? Sounds like Communism!!
No competition between insurers + state regulation = screwed consumers and screwed insurers!
Perhaps you need a few more Kennedys up there.
(no offense to you personally, but that sounds like a messed-up system)
Perhaps you need a few more Kennedys up there.
(no offense to you personally, but that sounds like a messed-up system)
04-30-2001, 10:32 AM
#20
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See my post below ("That's not the way it works")
When I got my ticket in 97, I lost the point for incident free year, but if you only have one incident in the 6 years, you didn't get the points for the actual violation. That is, you got one "freebie", except that it wasn't free and you still lose the point for an incident free year.
That said, mine was in 1997 and maybe they don't do that anymore. Also, mine was a speeding ticket (doesn't seem too different) and maybe they only do that for speeding???
Either way, I'd definitely call and ask if you're supposed to not supposed to get points added if it's your first violation.
Good luck, cause it's going to stay with you for 6 years :-(
-- HobbitCar
That said, mine was in 1997 and maybe they don't do that anymore. Also, mine was a speeding ticket (doesn't seem too different) and maybe they only do that for speeding???
Either way, I'd definitely call and ask if you're supposed to not supposed to get points added if it's your first violation.
Good luck, cause it's going to stay with you for 6 years :-(
-- HobbitCar