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If I am getting car insurance do I need to notify them of my tickets if asked?

Yes, normally when shopping for car insurance you will be asked as part of the application process about moving violations, accidents, claims, etc you have had within a certain time period. So if during this time period you had traffic tickets that were convicted of you would need to report them to the auto insurance provider.

If you do not list the tickets on your insurance application than your quote will not be accurate since your insurance company will pull your motor vehicle record (MVR) and find out about the moving violation convictions you omitted on your car insurance application. Once the violations are known by the insurer than your quote will need to be re-calculated taking these offenses into account and thus leaving them out would not have helped you, just delayed you receiving correct information on what your auto insurance premium rates will be.

Now if you have tickets that you have not yet been convicted of, you normally do not yet need to notify an insurance company of those tickets yet. The offense will go on your driving record after the conviction, not before since you may fight the ticket, ask for traffic school to dismiss it or deferred adjudication or the like which would also keep the violation from being placed on your MVR.

Also if you are already in the middle of a policy and not applying for a new car insurance policy or being asked by your insurer for renewal purposes about your driving record than you do not usually need to call you insurance carrier and inform them of your conviction for a moving violation. When you are already with an insurance company they will typically pull your MVR at renewal time and see the offense without you having to notify them of the violation.

If you have been convicted of a traffic offense and want to know how it will affect your rates you can however call your insurance agent to find out how your insurance provider's rating system works and if this certain offense will cause your rates to rise.

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This car insurance answer was last updated 10:51 AM Oct-02.
This quoting question was asked 5:07 PM Sep-27-2008.
Nick requested this car insurance help from CarInsurance.com experts.
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