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Car Insurance Question  I'm a Florida resident who got a ticket in Ohio for doing 85 in a 65 on I-75. I heard in the past (while in Georgia) that DMVs do not tend to exchange information. It's my first ticket and I'm 18 years old. What are the chances its going to affect my insurance?

Your home state of Florida, as well as the state of Ohio, are members of the Drivers License Compact (DLC). This Compact requires its members to report ticket convictions received by motorist back to the state where the driver received their license. This means that if you are convicted of this speeding citation in Ohio, the OH Bureau of Motor Vehicles (BMV) should report the information regarding the ticket to the Florida HSMV.

As you stated, in the past it might have been difficult for Department of Motor Vehicles (DMVs) to exchange information but with advances in technology it has become a lot easier to do so in the last several years. Also, you mentioned Georgia. This state is not part of the DLC so might not always trade information with other states though they do have arraignments with some states to report tickets.

Speeding 20 mph over the speed limit in Ohio is a 2 point offense. In Florida it is a 4 point violation if you exceed the posted limit by 16 mph or more. The FL HSMV states that they will add out of state citations to a Florida driver's driving record and access points if the offense is a point-accessible violation according to FL Statutes, which speeding is.

Once the Ohio speeding ticket is reported to Florida and put on your driving record, it could affect your insurance rates. Since insurance companies rating systems differ, you will need to contact your insurance company to find out about their rating system and if this first traffic infraction will raise your premiums.

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This car insurance question was asked on 6/22/2006
This auto insurance answer was last updated on 6/22/2006
Andrew requested this car insurance solution.
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