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NY DL, Ticket in FL, future insurance premium question

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  • NY DL, Ticket in FL, future insurance premium question

    Hi,

    I have a NY Driver License and a few days ago I got a speeding ticket
    in FL. I checked the DMV website and according to it, the NYSDMV does
    not record out-of-state violations committed by NYS drivers in other
    jurisdictions.

    http://www.nydmv.state.ny.us/dmvfaqs.htm#tickets

    So basically even if I plea guilty and pay the ticket, there will be
    no record of this violation. But what about my insurance premium? Is
    the ticket going to affect it? My policy will expire in about 6
    months, and the question is if I should report the fact that I got the
    ticket. Is there any way for the insurance companies to find out about
    it if I don't report it? Do they only use my DMV record to verify it
    or do they use other systems as well?

    In about 4-6 months I will be moving to Florida for a couple of years
    and I will be getting a Florida DL. So at the time of my policy
    renewal I will be a resident of Florida and I will be holding a
    Florida DL. I am wondering if the Florida DMV can somehow link the
    past violation with my FL driving record?

    Anyway, the key question is if at the time of renewal of my insurance,
    as a Florida resident, I should report this ticket or not. What are
    your thoughts?

    Thanks,
    Jerry_K

  • #2
    NY DL, Ticket in FL, future insurance premium question

    On 29 Feb 2004 20:44:59 -0800, [email protected] (Jerry_K)
    wrote:
    So basically even if I plea guilty and pay the ticket, there will beno record of this violation. But what about my insurance premium?
    Depends on whether the insurance company checks around. They may or
    may not. I believe you are supposed to report convictions to most
    insurers but I doubt that most policyholders actually do that.
    In about 4-6 months I will be moving to Florida for a couple of yearsand I will be getting a Florida DL. So at the time of my policyrenewal I will be a resident of Florida and I will be holding aFlorida DL. I am wondering if the Florida DMV can somehow link thepast violation with my FL driving record?
    Florida probably uses the same system that NY does - I would think
    most states do. Here's how it works...

    I stop you here in NY and write you a summons for a moving violation.
    You have a drivers license from Idaho. As soon as you mail in the
    summons (whether you plea guilty or not guilty and assuming this is
    your first ticket in NY) NY establishes a local driving record for you
    and assigns you a NY "client ID" (license number). Actually this
    occurs whether you mail it back or not, as long as my copy gets
    submitted to Albany.

    In this way NY can track your driving record here in this state and if
    you accumulate too many points here NY DMV will suspend your privilege
    to drive in this state. This does not affect your ability to drive in
    any other state but NY.

    Two years later you move to NY from Idaho and turn in your Idaho
    license to get a NY license. Bingo! They already know you and issue
    you a license using the previously assigned license number. Since
    everything, including your driving record, is keyed off of the client
    ID you "inherit" your previous driving record.

    The violation never meant anything to you before since you had an out
    of state license, but now that you have a NY license that conviction
    is on your driving record.

    Same thing happens in reverse. Someone here in NY gets their license
    suspended so they go out of state for another license instead of
    dealing with NY DMV to try to get their license back. I stop them in
    NY and when I check their license I don't check their out of state
    license, I check for a NY license using their name /DOB and viola,
    they show as being suspended so they get locked up.

    Bottom line is that your conviction/guilty plea will most likely
    follow you when you move to Florida. Of course, you could try to scam
    and keep your NY license for a while until that conviction becomes
    meaningless, but then you run the chance of being cited for being an
    unlicensed operator, i.e. you establish obvious residency in Florida
    but never got a Florida license. That scam may not help your insurance
    problem either, since when you use a Florida-based insurer they
    probably check your Florida driving record anyway.

    Comment


    • #3
      NY DL, Ticket in FL, future insurance premium question

      Gee, so there is no loophole. ANyway, thanks for explaining me how it works.

      Jerry

      Comment

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