Tilted Forum Project Discussion Community - View Single Post

Key · 07-06-2004, 04:16 PM

you can ask the dmv for your record and see how many points you have on your record. i don't remember how many points you get for totalling a car but it's probably 3.

my friend's 21 with a honda prelude and has 5 pts. one more and his license is taken, i believe. he pays about $5k a year i believe, pretty rediculous. i mean you can buy a new (used) car every year for that much. and he could buy another prelude in 2 years. pfft.

anyway, when i was taking driver's training i was talking to the guy about the point system and asked about accidents. he said they gauge accidents on the same point system, and it's really points that raise your insurance. apparently there's no checkbox on the insurance form that says "totalled a car." there's a box that says how many pts you have though.

so if you want to really know you can ask the dmv for a copy of your record and it should tell you know many pts you have and what is exactly reported to the insurance agency. you don't need to tell them more than what's on your public record.

so for example, you get a speeding ticket, 1 pt offense. you go to traffic school, get that point removed. on your public record, it's clean. however, technically you've still got an infraction, a point on your record. the insurance asks, "have you ever had a speeding ticket?" you're allowed to answer "no" because it doesn't show up. you don't have to be too eager, screaming "yes i had a ticket!"

don't quote me on this though, this is what i heard from the traffic instructor guy, who also happened to be the sheriff.

only some places count your grades. i've heard of people forging report cards and bringing those in for deductions on their insurnace. others don't care.

generally if you've gone 3 years with a clean record, i hear that's the first milestone most carriers drop your premiums at. not that that really matters in your case i guess.

MrSelfDestruct was pretty dead on though. you're screwed and will be paying for it for a long time. best bet's to get a beater until you're making enough money or your record clears up.

07-06-2004, 04:16 PM	#14 (permalink)
Key Crazy	you can ask the dmv for your record and see how many points you have on your record. i don't remember how many points you get for totalling a car but it's probably 3. my friend's 21 with a honda prelude and has 5 pts. one more and his license is taken, i believe. he pays about $5k a year i believe, pretty rediculous. i mean you can buy a new (used) car every year for that much. and he could buy another prelude in 2 years. pfft. anyway, when i was taking driver's training i was talking to the guy about the point system and asked about accidents. he said they gauge accidents on the same point system, and it's really points that raise your insurance. apparently there's no checkbox on the insurance form that says "totalled a car." there's a box that says how many pts you have though. so if you want to really know you can ask the dmv for a copy of your record and it should tell you know many pts you have and what is exactly reported to the insurance agency. you don't need to tell them more than what's on your public record. so for example, you get a speeding ticket, 1 pt offense. you go to traffic school, get that point removed. on your public record, it's clean. however, technically you've still got an infraction, a point on your record. the insurance asks, "have you ever had a speeding ticket?" you're allowed to answer "no" because it doesn't show up. you don't have to be too eager, screaming "yes i had a ticket!" don't quote me on this though, this is what i heard from the traffic instructor guy, who also happened to be the sheriff. only some places count your grades. i've heard of people forging report cards and bringing those in for deductions on their insurnace. others don't care. generally if you've gone 3 years with a clean record, i hear that's the first milestone most carriers drop your premiums at. not that that really matters in your case i guess. MrSelfDestruct was pretty dead on though. you're screwed and will be paying for it for a long time. best bet's to get a beater until you're making enough money or your record clears up.