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Car Insurance Question  I have a Maryland drivers license. I was caught speeding 11 MPH over the speed limit in Washington D.C. by a speed camera. The actual ticket only has a picture of my car, not of the driver (me). I will pay the fine to DC, but will this offense add points to my Maryland drivers record and/or be reported to my insurance company or put on my record? How would they know I was driving my car at the time?

From the information we received from the Maryland Motor Vehicle Administration (MVA) the DC speed camera conviction would go on your MD driving record but not be assigned points or affect your insurance rates.

Maryland and the District of Columbia (DC) are both members of the Drivers License Compact (DLC) so if you pay the fine and thus are convicted of the speed camera violation then the DC courts will inform the Maryland Motor Vehicle Administration of the offense.

Maryland also allows for speed cameras to be used to ticket speeders to the offense is one known to the MVA and recorded on a driver's motor vehicle record. In DC the citation for a speed camera goes to the registered owner of the car. If you were not the owner then you can submit an affidavit listing the offending driver's name and address. This would be to dismiss your ticket and get the ticket then issued to the person that was driving the vehicle at the time the car was photographed speeding.

In DC there are no points on this type of offense and this is true in Maryland as well. Even if there were points associated with it normally the MD MVA does not assess points for out of state offenses. The MVA states that if you received a conviction out-of-state, that state is obligated under the terms of the Driver License Compact (DLC) to notify the MVA. Upon receipt of the information, the MVA will update your driver record.

For many types of violations, the MVA will only record the conviction information on your Maryland driver record and will not assess points. However, if you have been convicted of a serious violation the MVA will record both the conviction information and the points associated with it.

Here is some information that will help you understand how Maryland deals with speed camera violations. In 2006, Montgomery County became the first Maryland jurisdiction authorized to deploy speed cameras. Tickets can be issued for vehicles observed traveling at least 10 mph above the speed limit. The registered vehicle owner is subject to a $40 fine with no driver license points. Rear photography is used to capture an image of the rear license plate of a vehicle detected speeding. The driver is not photographed.

The highlights of Montgomery County, Maryland's Red Light Enforcement Camera Program are:

  • Enforcement Cameras consistently work 24 hrs a day/7 days a week
  • Registered owner receives a $75.00 civil citation.
  • Online Payments may be made online.
  • No points will be issued against the vehicle owner’s driving record (similar to a parking ticket)
  • Insurance companies cannot consider the ticket in calculating insurance rates.
  • Failure to pay fines will result in one’s inability to renew the vehicle registration.

So while in both states the driver is not photographed, if you were not driving at the time of the ticket then you would need to send in an affidavit stating who was driving so that the ticket was then issued to that person.

Remember to stay insured.

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This car insurance question was asked on 6/30/2008
This auto insurance answer was last updated on 7/5/2008
Brian requested this car insurance solution.
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