One way or another, your insurance company will find out about traffic tickets you receive. This includes speeding tickets, even if you got them in someone else's car, because they are typically recorded on your driving record, which is checked by your insurance company.
Speeding Tickets Reported on Your Driving Record
When you get a speeding ticket, the violation is reported on your driving record. This is true even if you are driving someone else's car, because traffic tickets typically follow the driver, not the car. Since insurance companies routinely check the driving record of their insured drivers, usually during renewal time, this speeding violation will pop up. As a result, your insurance company will learn of the speeding ticket and may eventually increase your rates.
- CarInsurance.com: My Daughter Got a Speeding Ticket in Someone Else's Car; Will it Make My Car Insurance Rates Go Up?
- Rosenblum Law Firm: I Got a Traffic Ticket While Driving Someone Else’s Car – Am I Responsible?
- State Farm: When Someone Else Drives Your Car
- Esurance: Speeding Tickets and Car Insurance Rates
Based on the West Coast, Mary Jane Freeman has been writing professionally since 1994, specializing in the topics of business and law. Freeman's work has appeared in a variety of publications, including LegalZoom, Essence, Reuters and Chicago Sun-Times. Freeman holds a Master of Science in public policy and management and Juris Doctor. Freeman is self-employed and works as a policy analyst and legal consultant.