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I was going 73 in a 60 in South Carolina (HWY 17 near Mt Pleasant) and received a ticket for something called "fail to obey traffic laws" 56-5-730. The cop said it would not affect my insurance and there would be no points. Is he right? I have heard that the insurance companies still find out about these so called "won't effect your insurance tickets" and that it does effect rates nonetheless. True or not?

Section 56-5-730 of the South Carolina Code of Laws requires obedience to traffic laws. It goes on to state that it is unlawful and, unless otherwise declared in this chapter with respect to particular offenses, it is a misdemeanor for any person to do any act forbidden or to fail to perform any act required in this chapter SC Code of Laws.

Points for this offense are not discussed but whether there are points or not assessed to your SC driving record, it is really the violation itself that could affect your rates. If this violation of the law is placed on your driving record once you pay the fine for it then your insurance company could see it next time they pull your MVR.

If this South Carolina traffic ticket goes on your driving record then depending upon our insurance company's rating system it could affect your rates. You would have to find out from your insurance agent about your insurance provider's rating system.

The law enforcement officer that wrote the ticket might mistakenly believe that if a violation is without points that it won't affect insurance or he could be right that the ticket will not affect insurance premiums. The only way to find out if it will affect your particular insurance premiums is to discuss the ticket with your agent.

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car insurance commentsI was coming from Myrtle Beach passing through McClennville and got a ticket for not switching over to the left lane when a officer has pulled someone over. Has anyone ever heard of that???
Question Details
This car insurance question was asked on 12/4/2006
This auto insurance answer was last updated on 12/8/2006
Speedy requested this car insurance solution.
Rated 10 out of 10 based on 1 vote.
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