Insurance before Conviction date?

architect

architect

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I received 2 tickets in the summer: speeding and fail to show ownership (my mother's car and she only photocopied one side). I was going pretty fast but was very polite and apologetic He told me to get a court date and he'll remove the demerit points as well as drop the ownership ticket by just bringing the original to court. However, one problem is a month ago my mom changed ownership of the car to me and the MTO took back the old papers. So as it stands I have no ownership paper covering the summer time when I got the ticket, just the latest one issued in Sept, and so I might not get the ticket dropped.

Court date is in Jan.

I don't have insurance right now, was going to wait until Spring, but I was wondering if it would save me to get insurance now before my court date/conviction. I was going to go with Statefarm as they hare 1200 vs Rider Choice at 1400. Would it be huge premium with StateFarm or Rider's choice if I had 1 or 2 tickets? If I get insurance now before my conviction/court date, am I clear for the 1st year until I renew the insurance and check my records? Or do they check my record throughout my year with them?
I don't want to ask them this question for obvious reasons.

Thanks.
 
Statefarm may kick you into the bad people group with 2 tickets (~30% jump in rates). If your insurance is processed before the conviction, I wouldn't expect them to pay to update your records before renewal. Starting to pay in December vs. April will cost you about 8% (~$100) more. I would sign up in December so all the paperwork is done before you go to court.

I don't know how to beat the ownership charge, that is an interesting situation. Showing you have a current ownership for the same car will hopefully be good enough.
 
i suggest you also ask your mom to go with u cuz the car was your mom and you no longer have the valid ownership. your current ownership doesnt prove you had the valid ownership during summer. the worst thing you have done was not taking the ownership ticket to first attendance meeting when you filed the other ticket to court. but you dont have to regret or anything, just learn the lesson not to speed anymore when you get back on the road.
 
From what I remember, even though you get insurance, the insurance company has 90 days to make changes to the account. So I don't think it would make a difference weather you get insurance now or later as they would be able to change the rates later if you are convicted of those tickets.
 
So what happens to those that get tickets during their coverage? Do their premiums go up/get dropped from coverage right away or it doesn't happen until renewal date?
 
architect said:
So what happens to those that get tickets during their coverage? Do their premiums go up/get dropped from coverage right away or it doesn't happen until renewal date?
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Not until renewal.
 
For those that want to know. I got another quote from another agent and mentioned 1 ticket, and it does not affect premium.
 
PLau said:
From what I remember, even though you get insurance, the insurance company has 90 days to make changes to the account. So I don't think it would make a difference weather you get insurance now or later as they would be able to change the rates later if you are convicted of those tickets.
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A policy is issued as of the effective date. The insurer underwrites the policy based on the information at that moment in time.
 
To prove who owned the vehicle before you, go to the MTO and get a Used Motor Vehicle Package, it will show that mom owned the car before you and at the time of the ticket, it sounds like the cop was being pretty fair to you, show this stuff to the cop and the prosecutor before the trial.
 
Avi Singh said:
A policy is issued as of the effective date. The insurer underwrites the policy based on the information at that moment in time.
Click to expand...

Ah, so the premium increase will only be seen after the renewal?
 
Thanks for the responses.

Gwelfmike: Good idea with the UMV, hope they will accept it. My mother is 63 and ill so I'm definitely not dragging her to court for it.
 
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