While there may be some car insurance companies that will not quote you higher rates, or raise your rates if you already have a policy in effect, for certain traffic offenses in general all auto insurance companies take into account a person's driving record as a rating factor. The drivers' history and motor vehicle record (MVR) is used to determine what type of risk as a driver they are and thus the risk that they are putting the insurance company under to insure them and the vehicle they operate. Moving violations (tickets that a person was convicted of) on a driver's MVR shows that the person may drive recklessly or poorly.

The penalties for this offense are listed under the New York Vehicle and Traffic (VAT) Law Section 511. This section of law is titled Operation While License or Privilege Is Suspended or Revoked; Aggravated Unlicensed Operation.

We are not aware of any law prohibiting a driver from using a two-way radio while operating a vehicle in New York. New York has had a law prohibiting the use of a mobile phone without a hands free device. This cell phone law has been in effect since December 1, 2001. It could extend to radio communications, but the specifics of the law would need legal advice.

State laws differ but in general yes, if you were at fault in an accident and caused damages to another party which their insurance company paid, that insurer can now come after you for the monies they paid out since your insurance policy was not in effect (lapsed) at the time of the accident and you were at fault.

While in many cases you can mange your account online if you have purchased your insurance policy through our Internet site for security reasons we are unable to combine separate policies onto the same online account. We are serious about online security and we make sure every transaction is secure. We value and take extra steps for our customer's security. It is our highest priority. We recognize that some of these security requirements can create user experience limitations.

The insurance company will look at the number of years you have held your driver's license for the "inexperienced period." The insurance company insuring you may also be interested however in how long you have been insured, not for the "inexperience surcharge" but as another rating factor. If you have a car in your household you should have been on an insurance policy, either your own if you owned a car or your parents if they had a car that they allowed you to drive.

We assume you are referencing our answer to this question: How do points affect your insurance rates? The insurance company determines which infractions, incidents, or violations that they classify as a No Charge Violation. To give you better reference, here is a list of violations that one company has selected as no-charge violations in their rating algorithm in some states:

Vermont is part of the Drivers License Compact (DLC) while your home state of Massachusetts is not. While Massachusetts is not a member of the Drivers License compact but the MA Registry of Motor Vehicles (RMV) has agreements so that the state still shares and receives driving record and violation information with other states. Most offenses committed in other states will be put on your MA driving record and be treated by the RMV as if it occurred in state.

If your son pleads guilty and pays the fine for the Georgia speeding ticket then yes, it will likely be placed on his Texas driving record. Texas is a member of the Drivers License Compact (DLC) which Georgia is not however GA still shares information with other states regarding moving violations drivers were convicted of.

SR-22 insurance varies state to state. The basic definition of an SR-22 form is available on our Insurance Terms page. SR-22 isn't a type of insurance, but rather proof that you have certain types of insurance (based upon the financial responsbility laws of your state).