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QuestionInsurance Question  I have received three warning tickets/citations from police in Washington state. Will this have an effect on my car insurance rates? If so, how much do car insurance rates normally rise from warning tickets?

AnswerAuto Insurance Answer

It will depend if the warning tickets you received were truly warnings that were not recorded to your record or were real citations that were placed on your Washington driving record. Some written warnings are a type of citation and have information on the back about how to comply.

The WA Department of Licensing (DOL) keeps a record of license applications, collisions, traffic infractions, convictions for motor vehicle violations and notices for failure to appear or respond to traffic citations on every driver in the state. So if you are unsure if the DOL has placed the warning citations on your record, contact them to find out. For a $5 fee, the DOL will provide you with a copy of your driving record.

Your insurance company can also check your motor vehicle record (MVR) by contacting the Washington DOL. If the 3 warnings or citations are recorded on your driving history than they will likely affect your insurance rates.

Insurance companies rating systems can differ so to find out if these warnings or citations will raise your rates, and if so by how much, you will need to contact your insurance provider. Another way in which to find out about rates is to contact the WA Insurance Commissioner.

State law requires insurance companies to submit their proposed rate systems to the Office of the Insurance Commissioner for review. Most insurance companies apply a surcharge to drivers who have been involved in an accident or convicted of multiple traffic violations.

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