How HTA 172 affects State farm insurance

[Apollo95]

Question:

1A) how will HTA 172 (50 over) conviction affect State Farm Insurance rate?

1B) also if including a 15 over ticket from year ago with that above conviction?

2) or insurance rates (other companies) in general?

(NOTE: both occurred 1.5 year ago, recent convictions) - Before that 10 years clear record

-state farm client for over 5 years. insured with cars and house.

only Reply if you have an answer please. no trolling or pointless comments.

Thank you

 

[TwistedKestrel]

If you have a major & a minor, I figure State Farm will probably just drop you.

 

[lator-illa]

AFAIK, they only allow two minor convictions and then yer screwed.

 

[Apollo95]

note: both occurred 1.5 year ago. ==> if that is a factor.. ?

also, before that 10 years clear record.

 

[-Maverick-]

note: both occurred 1.5 year ago. ==> if that is a factor.. ?

"2013 CBR1000RR Repsol For Sale"

Why did you stop?

 

[Apollo95]

wasn't on the bike. both car.
before bike was even bought

 

[TwistedKestrel]

note: both occurred 1.5 year ago. ==> if that is a factor.. ?

Not really, minors count for 3 years and majors for longer ... I want to say six years but I'm not sure anymore. If you are not insured with State Farm already, they will not take you on.

 

[TwistedKestrel]

note: both occurred 1.5 year ago. ==> if that is a factor.. ?

Not really, minors count for 3 years and majors for longer ... I want to say six years but I'm not sure anymore. If you are not insured with State Farm already, they will not take you on.

 

[Apollo95]

state farm client for over 5 years. insured with cars and house.

 

[-Maverick-]

wasn't on the bike. both car.
before bike was even bought

If you're already a client, they will rate you on the major and not the minor.

 

[Apollo95]

If you're already a client, they will rate you on the major and not the minor.

How much increase $ rate? for how long?

 

[Paul1000RR]

How much increase $ rate? for how long?

 

[-Maverick-]

How much increase $ rate? for how long?

This should help you out:

http://www.insurancehotline.com/tickets-car-insurance-rates/

http://speedingontario.com/penalties.php

Best person to talk to is your broker tho. To keep you as a customer they (as I wrote) will rate you on the major and not the minor.

 

[-D-]

You better get things sorted.
They can easily drop you with that record these days.

 

[Paul1000RR]

You better get things sorted.
They can easily drop you with that record these days.

Jokes aside if i were you id call another state farm broker and ask about a possible "scenario" wink wink

 

[nikiter]

SF sees major tickets for 5 years. Don't ask how I know.

 

[GreyGhost]

Iirc The date of offense doesn't matter to the ins company, the date of conviction is the one they look at (and start the pain clock from). Good luck

 

[Wasted]

Iirc The date of offense doesn't matter to the ins company, the date of conviction is the one they look at (and start the pain clock from). Good luck

Yup. You can't be rated for something for which you've only been charged and not convicted. You start counting from the date you pay the fine.
As far as how long you've been insured with SF.....irrelevant. If your record at any given time does not meet the underwriting guidelines they will non-renew your policy.
I'm not familiar with they're guidelines but most regular market companies won't insure that record. You may end up with a mid risk or facility carrier.

Here's what I'd do. Call up a SF agent outta the book.
"Hi, I'd like a quote but just so you know I have these two tickets, is that okay?"
No agent will waste his time if he can't make money from you and there won't be a difference between new business and renewal so you'll have an answer.

 

[Apollo95]

Thank you all for your advice. much appreciated.

 

[hpvchewy]

Thank you all for your advice. much appreciated.

Just so you know, if you were convicted 1.5 year ago you should already know what they'd be charging you

State farm just found out about my friends major conviction, in year 4 out of the 5 (that it stays on his record), and they BACK DATED their charges and charged him extra for the 4 years he's already paid (by adding $4,500 onto his 5th year premiums)

Like someone said, best to call an agent other than your own and "ask" hypothetically what they'd do (drop you, increase your rate, etc.). Sometimes they even lie (told my friend they have 1st accident forgiveness, he filed a claim, whops, nope, sorry. Wow). If they don't know about it now, pray they don't find out about it in the next 5 years.

Good luck.