When applying for new insurance coverage or renewing a current policy, insurance companies will review an assortment of factors when determining whether to continue to insure you or accept you as a new driver. Here a few factors that insurance companies will consider when determining your insurability:
ACCIDENT CITATIONS (Careless Driving, Failure to Yield, Etc)
Whenever you are issued a citation for a traffic accident, you risk being dropped by your insurance carrier or a significant rate hike. However, under Florida Law, your insurance company cannot request an additional premium or cancel your policy solely because you were involved in a motor vehicle accident, unless the insurer’s file contains information from which the insurer in good faith determines that you were "substantially at fault" in the accident.
An auto insurance company will determine your fault by investigating the accident. Often times, their investigation will consist of reviewing the police report and traffic citation. By hiring a traffic attorney to fight your accident citation, you are making an effort to undermine the insurer's basis for the rate hike or cancellation. You are entitled to a reimbursement of any additional premium paid to your insurance company as a result of a traffic accident, if you can show that at the time of the accident the operator was:
NON-ACCIDENT CITATIONS (Speeding, Stop Sign Violation, Etc)
Under Florida Law, your insurance company cannot raise your rates or refuse to renew your police unless you have been issued two moving violations within an 18 month period, three or more moving violations within a 36 month period, or you have been issued a citation for unlawful speed 15mph or more over the posted limit. However, the insurance company cannot raise your rates or refuse to renew your policy for recieving a citation when adjudication is withheld and no points are assessed to your driving record.
The best way to avoid insurance increases or being dropped by your carrier is to use one of your five lifetime driving school elections or hire a Tampa Traffic Attorney to fight your ticket in court in an effort to get your ticket dismissed or reduced. For a free consultation regarding your Tampa traffic citation, please call my office at (727) 260-5754.