How Will a Traffic Ticket Affect Your Auto Insurance

Calvert County residents who have one or more auto tickets may be wondering how these tickets will affect their current auto insurance policy or their ability to find a new auto insurance plan. Below, we’ll discuss how traffic tickets affect auto insurance and what you need to know about monthly premiums despite having tickets on your record.

Is Insurance Affected by Traffic Tickets?

Essentially, auto insurance providers want to know that you’re not going to get into an accident. After all, when they are your insurance provider, and you get into an accident, this is when they have to start paying money out.

Naturally, they don’t want to do this. This is their business, and that’s just the way it works. There’s no way auto insurance companies could make any profit if they were constantly paying for people’s accident. As a result, if they can be confident that you’re not going to get into an accident, they will inevitably lower your rates and give you better coverage.

The opposite is true as well.

That is, if insurance agencies see that you’ve been in accidents before, they’re less likely to give you the best rate. Agencies use statistics to look at how likely you are to get into it an auto accident, and they adjust their premium rates for your auto insurance plan accordingly.

Contact Monterey Insurance Group, Inc. in Huntingtown, MD Today

If you are a Calvert County Maryland resident, Monterey Insurance Group, Inc. in Huntingtown, MD can help you navigate your insurance policy if you have had a traffic ticket (or multiple tickets). We can also help you find a brand new auto insurance plan.

To learn more about your auto insurance options, give us a call today, or feel free to stop by our nearest location. One of our knowledgeable insurance agents would be happy to sit down and speak with you. Also, try our online rating tool for quotes on car insurance from home.

5 Things to Do When You’re In a Fender Bender

Your friendly agent at Monterey Insurance Group, Inc. is here to help you through all the problems in life, including those minor fender benders you might encounter in the Huntingtown, MD area. In order to protect yourself and your savings account, here are 5 things to do when your day isn’t quite going right:

  1. Call the Police: No matter if it’s just a ding and scraped fender, if you are involved in a traffic accident with another vehicle, report it to the police department immediately. That police report can prevent a scammer from providing false information to their and your insurance company.
  2. Take Pictures or Notes: Your smartphone is a great tool! Use the camera to record images of driver’s licenses, license plates, the intersection, and the damage to all the vehicles. You may want to snap a pic of the other driver. If you don’t have a camera, write down everything that you see.
  3. See Your Doctor: If you feel like you have a bruised knee, it’s a good idea to have your doctor check it out. Many injuries don’t surface until after that adrenaline rush comes down. Don’t tell the police or the other people, "I’m fine," until an expert agrees with that assessment.
  4. Call Your Insurance Company: It’s just a quick call to the folks at the Monterey Insurance Group, Inc. to report the incident, and if the other person comes after you, your insurance agent will have the right information to defend you.
  5. Notify Your Employer: Even if you don’t skip a day immediately, should that head injury become more severe, it will help both your Huntingtown, MD area insurance agent and your employer to process any claims when they have accurate dates of the accident that caused you to lose days of work.

The agents at Monterey Insurance Group, Inc. can help you find an auto insurance policy to deal with those repairs on your car as well. Reach out to us by phone or visit our office to learn how to start an auto policy today.