OT - Need some ideas. Daughter got a speeding ticket.

[NikkiSixx_rivals269993]

Ok, my 20 year old daughter got a speeding ticket (in Nebraska as a resident). She is on our insurance but she pays her portion of the bill. She was speeding, no doubt. The cost of the ticket is not a big factor to me as she is going to pay for that. I am more worried about insurance going up, and how it will effect the rest of the family's insurance cost.

Need advice as I have never gotten a speeding ticket. What should I tell her to do regarding the ticket?

• just pay it and pay the increase in car insurance? My guess is that will be a huge increase.
  
• Go to court date & hope the LEO doesn't show (automatic not guilty right?)
• Go to court and ask them to drop it down to a non moving citation. (is that possible 80mph in a 65 zone)
• Are there classes she can take that will allow the ticket to never show up on her record?

We can't afford an attorney (well I can but she can't & daddy isn't going to fix it for her) so this is all on her. Just trying to find all her options and leave it all up to her.

This is her first speeding citation and our families first ever.

Thanks

I would always fight the ticket, even without an attorney, and consider making your daughter handle it. I remember being an 18 year old and going there to fight a ticket with no attorney and being approached by the prosecutor, who ended up helping me, he reduced the speed by 5mph in exchange for a no contest plea. It was a scary experience and I had no idea what was going on at the time, but it was a good learning experience and in that way, maybe there is a silver lining to it.

Not sure what will happen with the rates, but pretty much most insurance companies are looking for ways to charge more.

 

[kaz36_rivals189319]

I worked with a guy that used to be an auditor for one of the big insurance companies (can’t remember if was Farmer’s or State Farm). He said unless you apply for new coverage, they won’t do look-backs for tickets. Maybe it’s changed now, but I’d be surprised if one speeding ticket affects your premiums.

I’ve heard stories about companies like State Farm that don’t always run reports on renewals. Most companies I deal with run them at renewal.

 

[HuskerO58]

I worked with a guy that used to be an auditor for one of the big insurance companies (can’t remember if was Farmer’s or State Farm). He said unless you apply for new coverage, they won’t do look-backs for tickets. Maybe it’s changed now, but I’d be surprised if one speeding ticket affects your premiums.

This is mostly correct. At least for the company I work for.

Every new client or new policy the MVRs get ran. But sometimes a company will decide to run MVRs, at random, on existing clients / policies.

 

[HuskerO58]

I’ve heard stories about companies like State Farm that don’t always run reports on renewals. Most companies I deal with run them at renewal.

I'm not sure about the independent companies, but from what I understand most captive companies don't run MVRs on majority of renewals.

It'd get pretty expensive for the insurance company to run MVRs every renewal wouldn't it?

 

[kaz36_rivals189319]

I'm not sure about the independent companies, but from what I understand most captive companies don't run MVRs on majority of renewals.

It'd get pretty expensive for the insurance company to run MVRs every renewal wouldn't it?

I deal pretty much exclusively with commercial insurance anymore, so I don’t see a lot of the personal stuff anymore, but I am pretty sure most of ours run reports at most renewals.

 

[HuskerO58]

I’m an insurance professional. Most companies only look back three years. If there are no other tickets or accidents and she has a preferred rate, then one ticket will have little to no impact on insurance. Have her pay the ticket and go on with life. It’s not a big deal. If she continues to get tickets, or accidents, then it’s time to be concerned. But one ticket... let it go, it’s not a big deal. If you want more detail message me.

To me this is exactly why I suggest people take the STOP class if they have the option. Yeah the first one may not sting too bad, but the 2nd one will. Why not take the STOP class just in case you get another ticket? I know no one plans on getting a tickets, but it happens (or accidents).

Also a lot of companies offer a "Good driver" or "Clean driving record" discount. If you get a speeding ticket not only are you going to be surcharges on that ticket, you could lose a discount. Double whammy.

 

[HuskerO58]

My kid had one wreck and one 8 mph ticket in 12 months. We got dropped entirely despite our agent appealing. They wouldnt even keep us when I offered to drop him from the policy.

Sounds like I need you for an agent!

This sucks especially since you offered to drop your kid off of your policy. I'm surprised they didn't accept that offer so they could keep your account, but then reduce their risk by not having your kid on your policy.

Insurance companies do not like young drivers that have 2+ violations/accidents less than 12 months. They see it as a negative trend that will most likely continue (in their eyes).

 

[HuskerO58]

I deal pretty much exclusively with commercial insurance anymore, so I don’t see a lot of the personal stuff anymore, but I am pretty sure most of ours run reports at most renewals.

I love commercial insurance but man it can be so time consuming from start to finish if you're working on a cold lead.

 

[Baxter48_rivals204143]

Ok, my 20 year old daughter got a speeding ticket (in Nebraska as a resident). She is on our insurance but she pays her portion of the bill. She was speeding, no doubt. The cost of the ticket is not a big factor to me as she is going to pay for that. I am more worried about insurance going up, and how it will effect the rest of the family's insurance cost.

Need advice as I have never gotten a speeding ticket. What should I tell her to do regarding the ticket?

• just pay it and pay the increase in car insurance? My guess is that will be a huge increase.
  
• Go to court date & hope the LEO doesn't show (automatic not guilty right?)
• Go to court and ask them to drop it down to a non moving citation. (is that possible 80mph in a 65 zone)
• Are there classes she can take that will allow the ticket to never show up on her record?

We can't afford an attorney (well I can but she can't & daddy isn't going to fix it for her) so this is all on her. Just trying to find all her options and leave it all up to her.

This is her first speeding citation and our families first ever.

Thanks

Do look over her ticket make sure everything is correct including name spelling and time and place, if there is a discrepancy have her talk to the county attorney, lots of times tickets get tossed because of incorrect information

 

[HUSKERFAN66]

I would always fight the ticket, even without an attorney, and consider making your daughter handle it. I remember being an 18 year old and going there to fight a ticket with no attorney and being approached by the prosecutor, who ended up helping me, he reduced the speed by 5mph in exchange for a no contest plea. It was a scary experience and I had no idea what was going on at the time, but it was a good learning experience and in that way, maybe there is a silver lining to it.

Not sure what will happen with the rates, but pretty much most insurance companies are looking for ways to charge more.

I tried this back in the day. I was driving a73 Nova. Very humid fall night. Until that car had been warmed up good, it tended to flood itself out. I had driven it about 7 blocks when I noticed my neighbors dog had wandered into town. Stopped and picked him up. When i tried to take off my car was barely alive. I put the pedal down and low and behold I managed to squeal the tires rather than it's usual sputter and work itself out. WELL, a county mounty just happened to be sitting there around the corner about a half block away. Gave me a ticket for exhibition of acceleration.

I went to court without an attorney. Explained my case to the judge. As a 19-20 year old I was quickly put in my place. The judge told me, " No good deed ever goes unpunished". Went home with my tail between my legs and quickly realized not to go in there without an attorney. It was my first offense. It definitely wasn't worth hiring an attorney because he would have cost more than the fine. Points weren't an issue for my license. Thought the truth would prevail. In hindsight, I don't know if I would have believed me either if I were in their shoes.

 

[JDskibum]

If we’re talking about Lincoln/Lancaster County, this definitely isn’t going to work. It will just piss the prosecutor off. Just take the stop class. The ticket is gone. Poof.

and the County Attorneys who deal with traffic matters are the brand new lawyers. They want trials. If its a City tickets, my friends at in that office try cases every day, so playing chicken with them does not work well. Its all just work to them, Last, law enforcement absolutely does show up for trials. I have had a cop, who works nights, tell me that he could not pay his bills without the overtime he gets for coming in for hearings and trials. It interrupted his sleep, but every time he had to come in he got a minimum of 2 hours of overtime.

This is not legal advice. You daughter should contact Community Corrections (if Lancaster County), and take the STOP class. For goodness sake, its a speeding ticket, she's not charged with knocking over a liquor store. Do diversion (STOP class) deal with the costs and loss of tiem and move on with life.

 

[JDskibum]

Do look over her ticket make sure everything is correct including name spelling and time and place, if there is a discrepancy have her talk to the county attorney, lots of times tickets get tossed because of incorrect information

Misspelling is not a fatal flaw on the charging documents and can be amended at anytime. That does not work, in my experience.

 

[HuskerHusaria]

I strongly advise doing STOP class if possible. I really don't recommend taking the risk of hoping the Officer does not show.

She will save herself, potentially another person, and her wallet, if she simply drives as posted.

Speeding is not worth it.

 

[ZJSARENOTFREE]

I strongly advise doing STOP class if possible. I really don't recommend taking the risk of hoping the Officer does not show.

She will save herself, potentially another person, and her wallet, if she simply drives as posted.

Speeding is not worth it.

Yes it is.

 

[HuskerHusaria]

Yes it is.

Smokin

 

[JDskibum]

"I am more worried about insurance going up, and how it will effect the rest of the family's insurance cost." This is the OP's stated goal. Diversion (STOP class) addresses this with no risk of losing. Fighting the ticket hoping for the cop not to show up, the prosecutor is overworked or in a charitable mood, there are problems with the calibration of the radar, flaws in the charging documents and the plethora of other advise all rely on some factor outside of you daughter's control to achieve your stated goal. If she qualifies for STOP, the power to achieve your stated goal lies with her and her alone and completion of the class gets you to where you want to go. This is an easy one and not even a close call.

 

[BigB87]

Misspelling is not a fatal flaw on the charging documents and can be amended at anytime. That does not work, in my experience.

Ya, I don't know where people get that perception. I'm sure some prosecutors might not want to deal with it and just say screw it, but a misspelled name on a court document (which a ticket is, ultimately) isn't some instant "Well, you got us there!" kind of deal. I've seen plenty of referrals, police reports, etc. with misspelled names, never has it ever resulted in anyone getting off.

 

[kaz36_rivals189319]

I’m an insurance professional. Most companies only look back three years. If there are no other tickets or accidents and she has a preferred rate, then one ticket will have little to no impact on insurance. Have her pay the ticket and go on with life. It’s not a big deal. If she continues to get tickets, or accidents, then it’s time to be concerned. But one ticket... let it go, it’s not a big deal. If you want more detail message me.

As an insurance professional, I’m not sure how you can advise someone to not take the stop class. The issue may not be this ticket, but what can happen down the road. Next thing you know, you get in an at fault accident and now you have a speeding ticket and an at fault accident and then your rates jump, you are put in a high risk or you are simply dropped. While it is extreme for companies to drop someone after a ticket and AF accident, it will affect rates and you have a ticket and AF accident on your record for 3-5 years and need to worry about being perfect in that time frame.

 

[Lincoln100]

80 mph is getting up there in my little world; she should worry more about the safety than the $$, so that class sounds useful

I laughed

 

[HuskerO58]

As an insurance professional, I’m not sure how you can advise someone to not take the stop class. The issue may not be this ticket, but what can happen down the road. Next thing you know, you get in an at fault accident and now you have a speeding ticket and an at fault accident and then your rates jump, you are put in a high risk or you are simply dropped. While it is extreme for companies to drop someone after a ticket and AF accident, it will affect rates and you have a ticket and AF accident on your record for 3-5 years and need to worry about being perfect in that time frame.

Not saying z28craz does this, but I know of some agents that will encourage their clients to file hail claims on their home even after pea-size hail (rather than have a roofer inspect the house first prior to filling a claim) or to not take a STOP class because they know if their client were to ever shop around for different insurance, those claims / violations are going to show to the new company.

Boom, those agents keep their client because every other company is going to be higher with those violations / claims.

 

[k9_r]

Stop, as in stop speeding. Speeding is a menace to others and a selfish thing to do. Except one thing - keep up with the traffic - speeding is not an issue when just rolling with the traffic but don't ever be the outlier.

 

[kaz36_rivals189319]

Not saying z28craz does this, but I know of some agents that will encourage their clients to file hail claims on their home even after pea-size hail (rather than have a roofer inspect the house first prior to filling a claim) or to not take a STOP class because they know if their client were to ever shop around for different insurance, those claims / violations are going to show to the new company.

Boom, those agents keep their client because every other company is going to be higher with those violations / claims.

And people like that are why insurance agents are seen as "used car salesmen".

 

[lightningjack]

Take the class. I ran a red light many moon ago, took the class it never got reported to insurance and my cost never went up.

 

[TheBeav815]

Stop class is boring but easy. Took it a couple of times in college.

 

[redfanusa]

She should take the STOP class. It's the only idea that makes sense. If she challenges the ticket and fails, she can't change her mind and take the STOP class later. It's basically a "get out of jail free" card. Sit through a boring class, maybe actually learn something, and avoid a ticket (and increased insurance). It's actually a very good thing that the state allows this now.

 

[GoBluePureMichigan]

Ok, my 20 year old daughter got a speeding ticket (in Nebraska as a resident). She is on our insurance but she pays her portion of the bill. She was speeding, no doubt. The cost of the ticket is not a big factor to me as she is going to pay for that. I am more worried about insurance going up, and how it will effect the rest of the family's insurance cost.

Need advice as I have never gotten a speeding ticket. What should I tell her to do regarding the ticket?

• just pay it and pay the increase in car insurance? My guess is that will be a huge increase.
  
• Go to court date & hope the LEO doesn't show (automatic not guilty right?)
• Go to court and ask them to drop it down to a non moving citation. (is that possible 80mph in a 65 zone)
• Are there classes she can take that will allow the ticket to never show up on her record?

We can't afford an attorney (well I can but she can't & daddy isn't going to fix it for her) so this is all on her. Just trying to find all her options and leave it all up to her.

This is her first speeding citation and our families first ever.

Thanks

Take the Stop Class

...and make her watch every Iowa Game next season for punishment.
Laughing


GO BIG RED!

 

[Maui2022]

Go to the hearing 9 out of 10 times the officer or the magistrate will drop the speed so she won’t get points. That’s why you have to make sure they are respectful to the officers when they get pulled over

Going to court serves several lessons and I could go into each in detail, the most important though ... I never in my life want to be back here for any reason.

 

[Huskerwisdom]

Ok, my 20 year old daughter got a speeding ticket (in Nebraska as a resident). She is on our insurance but she pays her portion of the bill. She was speeding, no doubt. The cost of the ticket is not a big factor to me as she is going to pay for that. I am more worried about insurance going up, and how it will effect the rest of the family's insurance cost.

Need advice as I have never gotten a speeding ticket. What should I tell her to do regarding the ticket?

• just pay it and pay the increase in car insurance? My guess is that will be a huge increase.
  
• Go to court date & hope the LEO doesn't show (automatic not guilty right?)
• Go to court and ask them to drop it down to a non moving citation. (is that possible 80mph in a 65 zone)
• Are there classes she can take that will allow the ticket to never show up on her record?

We can't afford an attorney (well I can but she can't & daddy isn't going to fix it for her) so this is all on her. Just trying to find all her options and leave it all up to her.

This is her first speeding citation and our families first ever.

Thanks

And we'll have fun fun fun now that daddy took the T-bird away

 

[TheNewNU_rivals50820]

Have her take the stop class. I had to do it a few months ago for running a red light. The pain of having to take that class will be far better punishment than increased rates and paying a speeding fine.

 

[bigboxes]

Here in Texas you have a few option, depending on your locale. Take an approved defensive driving class. You pay an "administrative fine (the government is still going to get their money), official copy of your driving record ($10) and the cost of the class ($25, online available and takes 8 hours to complete). Another option (depending on the locale) is deferred adjudication. Basically, you haven't had a ticket in a while and you pay the government a fine and promise not to get another ticket within a specified period of time (usually 3 months). The last option is to hire an attorney to get you a similar deal even if you may not quality for otherwise.

Don't just pay the fine. Sounds like your daughter should just take the STOP class and be done with it. It's not about one ticket. It's about the next ticket that you may not be able to keep off her record.