However, state law prohibits insurers from increasing your premium based on at -
fault accidents or traffic violations that occurred more than five years prior to the effective date of your policy.
Discounts for good driving vary by company, but most offer a small discount if you haven't had an at -
fault accident or traffic violations in the last three years.
Discounts for good driving vary by company, but most offer a small discount if you haven't had an at -
fault accident or traffic violations in the last three years.
Not exact matches
If you received a
traffic violation or were involved in an at -
fault accident, more than likely your insurance rates will be increased at your renewal.
If they have a record of
traffic violations or have been found at
fault in past
accidents, this can cause you to be charged a higher rate for your policy.
If there have been any
traffic violations or accidents in the last three years, keep the details ready such as the dates, the driver at
fault, injuries, claim amounts etc..
Getting a
traffic violation or an at -
fault accident can really put a damper on your insurance rates.
If you
or someone on your policy has been deemed at -
fault in an
accident or has been convicted of one of the more serious
traffic violations in Virginia, you will probably pay more in car insurance.
One common example of this is high - risk auto insurance for drivers, who've received multiple moving
traffic violations over a short time
or who've been at
fault in multiple
accidents over a short period of time.
There may not be a quick and easy way to improving your profile and lowering your risk as a driver, but by establishing
or re-establishing a good driving record by avoiding
traffic violations and not being involved in
accidents, even those where you're not at
fault, it will slowly work in your favor.
Traffic violations,
accidents for which you were at
fault,
or DUI charges will all cost you in more ways than one.
If you have a poor driving record (
traffic violations,
accidents for which you were at
fault,
or DUI charges) and are applying for life insurance, you might either have difficulty getting approved for a policy
or you'll probably pay a higher premium than you would with a clean record.
In other words, if you have
traffic violations or insurance claims in the past, and today you got into an
accident where you're not the at -
fault driver, you could still end up with an increased premium.
Such programs can also help to lower your fines if you make a moving
violation or if one is at
fault in a
traffic accident.