There are many factors that are taken into consideration when you are getting a car insurance. Some of these factors are fairly reasonable but there are some that do not make sense at all. Since the number of car insurance companies is very large, making the right decision is not always easy. Moreover, there is a very common question many people ask. So, in this article we will be giving you an answer to the question does a written warning affect your car insurance? Let us get into it right away. First of all, we have to know how do you actually get a written warning. There are some offences that are not that serious and in such a situation, the police officer can give you a verbal or written warning.
Yes, committing a minor traffic violation does not necessarily mean that you will get a fine. Of course, different states have a different tolerance on these minor violations but they are usually uniformed. In fact, you might even get multiple such written warnings and they will not affect your car insurance in any way. There you go, the answer to the dilemma is very simple. However, there are some things that should be taken into consideration.
The first thing is your driving record. It is worth noting that a written warning will not be included in your driving record. Well, at least most of the times. There are certain situations where the police officer will notify your local DMV and thus the warning is going to be recorded. Consequently, this is the only way your car insurance company can find out about the warning. However, even if they insurance company takes notice of the written warning, it won`t probably affect your insurance rate.
There are other things you must know about these types of warnings. As mentioned above, the written or verbal warning will not appear on your driving record as long as the police officer does not notify your local DMV. As far as legal consequences go, getting such a warning does not mean that you have to visit a court. No, it basically serves as a way of “punishing” the driver and hoping it will not happen again. Finally, let us take a look at the only situation where your car insurance company will take notice of it.
Getting one written warning does mean anything. Even getting a couple of them probably will not affect your insurance rate. However, if you are constantly getting these warnings, the chances of your car insurance company taking notice of are fairly larger. Again, this differs from a company to company, but it is a fairly common practice that a lot of car insurance companies have.
Consider the many written warnings as a red flag to your insurance company. It is simply alarmed that something is wrong, thus the rate is probably going to be somewhat different. So, make sure not to get a lot of written warnings in a short period of time!
