Does Your Car Insurance Find Out if You Got a Speeding Ticket in Someone Else's Car?

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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.