Montana MT Car Insurance
Reader’s Question:
Are any points put against my car insurance for a speeding ticket of 5 mph and over in Montana?
Susie
Great Falls, MT
Speeding tickets for 5 miles per hour over the speed limit are normally taken as a very minor offense. It depends upon your insurance company’s rating system whether it will place insurance points against you. Typically, states allow each individual car insurance company to have their own point values that are assigned for each type of violation or claim. Insurance points thus can vary, but in general, most minor violations count as two (2) insurance points, major violations count as three (3) insurance points and serious infractions such as driving under the influence (DUI) may count as high as six (6) insurance points.
Chances are your car insurance carrier will not assign you a higher rate due to this minor traffic violation in Montana. However, this violation may force your car insurance company to remove any “safe driver” discount that applies to your insurance policy. To find out for certain if a speeding ticket for 5 mph over the posted limit will add insurance points and to find out the specifics of your insurance carrier’s rating system, try calling your insurance agent. Since all insurance companies must file their rates with this entity, you can also contact your state’s insurance regulatory body.
Tags: auto insurance, automobile, traffic violation