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If I Don’t Tell My Insurance Company About a Ticket, Will They Find Out?

If I Don’t Tell My Insurance Company About a Ticket, Will They Find Out?

Getting a ticket isn’t just inconvenient. It can be costly in more ways than one. Not only do you have to pay the exorbitant price of the ticket up front, that is if you don’t choose to fight the ticket, but you have to deal with increased insurance costs later. It might be tempting not to tell your insurance company about the ticket, thinking they won’t find out. Unfortunately, it’s not that simple. Not only will your insurance company find out, you could be in bigger trouble when they do if you didn’t disclose the ticket.

After the Citation

After you receive a citation, your ticket gets entered into the system. This system is the same system your insurance company will refer to when they are deciding what to charge you for your next billing cycle. When it becomes a part of the database, the details also become part of that record. Police departments, courts, and other entities and companies can find the information pertaining to the citation that you received. They can find information regarding when you receive the violation or citation, what it was for, the details surrounding it, and more.

How Insurance Companies Find Out

When your coverage term expires, you will be up for Renewal. Anytime a customer is up for Renewal, the insurance company will check the records at the Department of Motor Vehicles. They will also reference police reports and other databases to find out how they should formulate your pricing for the next cycle. When they do this, they will see your ticket, and they will raise your price anyway. However, you may also be exposed to further penalties as a result of trying to hide your citation.

Obligation to Inform

Nearly every insurance company has within its contract a clause that states that you promise to tell them whenever you get into an accident or receive a ticket. Failing to disclose any such information amounts to a breach of contract. In some extreme cases, insurance companies have actually sued their own customers for not disclosing pertinent details regarding accidents and citations. While this is rare, it is a possibility if the nature of the citation that you’re hiding or not disclosing is serious enough. It is always best to be honest and prompt when disclosing information to your insurance company. It is much easier to negotiate with a company or entity who believes you to be honest than one who believes you to be dishonest.

How to Avoid the Hassle

Unfortunately, many people don’t understand that they have the right to fight their tickets. As a result, many people pay for, and essentially plead guilty to, charges that they may have been able to avoid had they decided to take their case to court. It is your right to defend yourself against allegations in a court of law. While some people find it intimidating to hire an attorney, it shouldn’t be that way. Attorneys are there to help you through the process, and we’re here to help you find the best attorney for the job.

At Ticket Void, we’ve worked for years with drivers just like you. We help pair you with a qualified attorney in your area who is vetted and capable of helping you with your specific case. By entering just a few pieces of information about your case, we can find and email you the information of an attorney near you who is best suited to help you with your case. The initial consultation is free, so what do you have to lose? Get started today, and exercise your right to fight.


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