Speeding ticket question (insurance, costs, license)

[Gatornation]

For the experts.........

I got a citation for going 64 in a 55. From what I've read I will not get hit with any insurance points as I have no prior record or points. Is this correct?

[playnice]

Nine over should not affect your insurance. Depending on where you got the ticket, you might could get it reduced further avoiding all costs but court costs.

[steve54]

I seem to recall that speeding in excess of 55 mph carries 2 license points and 2 insurance points.
This has been subject of discussion in the past - if you do a search i'm sure you will find much more info

[bta]

Originally Posted by Gatornation

I got a citation for going 64 in a 55. From what I've read I will not get hit with any insurance points as I have no prior record or points. Is this correct?

Sorry - can't answer your question - but where did you get a ticket for 9 over? I would have thought they'd let you off with just a warning for 9 over.

[saturnfan]

Sounds like someone needed to fill a quota. Usually 5+ is fine and -10 gets a warning unless you irritate the officer.

Was it a speed trap like Millbrook Rd between Falls & Six Forks?

[Mikeheel]

I'm guessing the officer actually clocked you at a higher speed and broke it down to 9 over to be nice as opposed to what the prior poster said.

Anyway, since you have a clean record for the past three years, 64/55 will give you 0 ins points and a couple of license points. The license points only matter if you are renewing your license w/in three years.

However, the fact you get 0 ins points does not necessarily mean your ins rates will not increase. The ins co can decide to put you in something called the reinsurance facility. This is, essentially, a "high-risk" catagorization and will raise your base liability rate by 40%.

If you do get assigned to the reinsurance facility, you can simply switch insurance carriers, and your rates will go back down. This is b/c you don't have points to follow you, and the decision to put you in the reinsurance facility is a carrier-by-carrier decision. A new carrier not put you in b/c they want you get your business w/lower rates.

Also, note that even though this one is, essentially, a free pass; if you get another conviction for anything over 55 w/in 1 year of your conviction date on this one, your license will actually be suspended. Strange little rule that lots of folks don't know about (two convictions in excess of 55 w/in 1 yr of each other revokes your license).

So, be really careful for the next year.

fwiw,
Mike