Will My Insurer Know About the Written Warning for Speeding Ticket
Reader’s Question:
When I was driving to work, I was stopped for doing 45 mph in a 25 mph. The State Patrol gave me a written warning, with no fine. With what happened, will my insurance company be contacted?
Erica
Dayton, OH
Typically a ticket for exceeding the speed limit in Dayton, OH by more than 5 mph, when the limit is less than 55 mph, results in receiving two points on your Ohio driver’s license. Since you received a written warning with no fine, this violation might not be placed on your Ohio driving record. Although, some states do not carry a fine or require a court appearance for a written warning; it instead serves as a reminder for you about your speedy driving. On some other states, they will file this warning or place a notation regarding it on your driving record. To find out for certain what Ohio does regarding written warnings, check with the Ohio Bureau of Motor Vehicles or Traffic Violation Bureau.
Your insurance company will not be contacted by the Ohio Bureau of Motor Vehicles, but if the speeding offense is recorded by the Ohio State Patrol and placed on your motor vehicle record, your car insurance company will see the violation when they next look up your MVR. They normally do this when you start a policy, make changes and/or at renewal time.
How To File an Auto Insurance Claim in Ohio
Reader’s Question:
How do I make an accident claim with my insurance company in Dayton, OH?
Fernando
Dayton, OH
If get involved in an accident where your car has sustained damage you can make a claim with your insurance carrier if you have physical damage coverages, meaning comprehensive and collision. If you have been in an accident the claim would normally go under your collision coverage and therefore the deductible associated with this coverage would be due.
To make an accident claim you will have to contact the claims department of the insurance carrier you are making the claim with. Your car insurance carrier will likely take your statement and want to get the information about the accident. If it is your own insurance company in Dayton Ohio they will also want to know if another car was involved and will be making a claim against your liability coverages.
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