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Oct 21st 2016, 02:51 PM   #1
 Gillis's Avatar
 
  Jan 2016
  Tukwila

  CBR500R
Speeding ticket/Insurance question

This didn't cross my mind until just now...

I got my first speeding ticket on my bike a little over a month ago (not my first motor vehicle speeding ticket mind you). I didn't contest it.

I have Progressive for the bike and Pemco for the car. My question is how do insurance companies get notified of a ticket? Does Pemco get notified and see that it was on my bike and ignore it? Will the ticket on my bike affect the rates on my car insurance?

Any clarification on this is appreciated.
Oct 21st 2016, 03:55 PM   #2
 Arnbo's Avatar
 
  Jan 2016
  Ferndale Washington

  ZX10-R GSXR 600 Track Bike
In the long run it always I mean always, pays to Lawyer up!
Oct 21st 2016, 04:08 PM   #3
 Pavement Tested's Avatar
 
  Jan 2016
  Bremerton

  '08 GSX1300R, '06 GSX-R 750, '17 KTM 690 Duke
They don't get notified. They pull your record when it's time for them to assess your renewal rate. That's how they find out what is on your record. It costs them money to do it so they'll only do it once a year at the most.

The state isn't in the business of telling on you to your insurance company. It costs them money to do that too and doesn't make them a dime so it isn't worth their time.
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Oct 21st 2016, 04:45 PM   #4
 Gillis's Avatar
 
  Jan 2016
  Tukwila

  CBR500R
Quote:
Originally Posted by Pavement Tested
They don't get notified. They pull your record when it's time for them to assess your renewal rate. That's how they find out what is on your record. It costs them money to do it so they'll only do it once a year at the most.

The state isn't in the business of telling on you to your insurance company. It costs them money to do that too and doesn't make them a dime so it isn't worth their time.
Sure, I get that, but will my car insurance (Pemco) asses the a ticket received on my motorcycle differently? Or is a ticket a ticket and they adjust my rates regardless of what I was driving?
Oct 21st 2016, 05:11 PM   #5
 SmokeyMcNug's Avatar
 
  May 2016
  Olympia, WA

  1996 Kat 600 "Ras-tana"
My guess is "speeding is speeding", regardless of the vehicle.
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Oct 21st 2016, 06:47 PM   #6
 bumblebeetuna's Avatar
 
  Feb 2016
  Bothell

In washington you do get a free get out of a ticket pass every 7 years... no joke.

Check yer record, n then shop for new insurance. Progressives rates are high. State farm is dirt cheap. literally a 150 dollar a month difference for my R1 between progressive and state farm for full coverage.

N also always contest or lawyer up. You can go in and plea your ticket down to some other infraction that doesnt affect your insurance rate.
Oct 21st 2016, 07:41 PM   #7
 Pavement Tested's Avatar
 
  Jan 2016
  Bremerton

  '08 GSX1300R, '06 GSX-R 750, '17 KTM 690 Duke
Quote:
Originally Posted by Gillis
Sure, I get that, but will my car insurance (Pemco) asses the a ticket received on my motorcycle differently? Or is a ticket a ticket and they adjust my rates regardless of what I was driving?
Speeding is speeding. They don't differentiate what you were operating at the time of infraction. If you get a citation in your car, Progressive won't car and it will affect your rates with them as well. Sorry.

Quote:
Originally Posted by bumblebeetuna
In washington you do get a free get out of a ticket pass every 7 years... no joke.

Check yer record, n then shop for new insurance. Progressives rates are high. State farm is dirt cheap. literally a 150 dollar a month difference for my R1 between progressive and state farm for full coverage.

N also always contest or lawyer up. You can go in and plea your ticket down to some other infraction that doesnt affect your insurance rate.
It is not a "free pass". It's called a deferral and it costs almost as much as the ticket itself, sometimes more.

How it works is you go to court and plead guilty to the infraction but say you want to defer it. You pay a court fee and are on "probation" for a year. If you don't get another infraction of the same type in that year it goes away. I did a deferral a long time ago for a fine that was over $300 and it cost me $200 for the deferral.

BUT

If you do get another infraction of the same type in that year and are found guilty if it, you have to pay the original amount of the infraction you deferred, you cannot contest it and you have to pay the new infraction as well.

You can only defer infractions of each type 1 time every 7 years.

Also, insurance rates are based on a number of factors beyond what bike is being covered. Age, riding experience level, safety classes, driving experience level and even where the normal area the bike will be are just some of the things that get considered. 2 people could live at the same address and ride the same bike and their rates could be different.

I'm with Progressive and pay $409/year for full coverage on 2 bikes. I've also been riding for 16 years, have a decent driving record at the moment, and insure my home and autos with them as well.
Oct 21st 2016, 08:16 PM   #8
 Willow's Avatar
 
  Jan 2016
  Silverdale, WA

  848evo, DRZ400SM, XR100
As pavement tested said, speeding is speeding. If the insurance company found out you had one ticket, they probably won't do much. Rates really don't go UP until you get 3 marks against your record. Does not have to be speeding, it can be a small claim against you for a little fender bender (obviously, your insurance will see your record when you get a claim filed against you). All you need is 3 marks against you, a speeding ticket, a claim against you or any type of moving violation, and THAT'S when your rates go up or they can DROP you.
They don't care if it's the law to have insurance in this state, they will drop you. Then you're on your own to fend for your self, and more than likely you have to sign up with Washington Automobile Insurance Plan for high risk driver
I've been through this. So always lawyer up, one ticket seems like no big deal, but then before you know it, you get another weird moving violation and/or you accidently rear end someone cuz your looking at a chick walking down the side walk, or...........it can be anything. Things just happen. You have to fight all tickets, and getting a lawyer is the best route to keep your record clean
Oct 25th 2016, 04:29 PM   #9
 JohnnyM's Avatar
 
  Jan 2016
  Pullman, WA

  '73 CB350F, '86 VFR750F, '00 Aprilia RS250, '04 Aprilia RSV1000 R Factory(x2), '07 Star 1100 Classic
That said: Lawyer Up!! - Here's a list if you have a ticket.
Oct 26th 2016, 11:06 AM   #10
 wooden's Avatar
 
  Jan 2016
  PDX

  '14 St3R, '05 DR650
In my experience, getting a ticket in my CAR has not affected my MOTORCYCLE rates. I get both car and motorcycle insurance through Progressive.

Couldn't tell you how it works the other way around.
Oct 26th 2016, 11:09 AM   #11
 wooden's Avatar
 
  Jan 2016
  PDX

  '14 St3R, '05 DR650
Quote:
Originally Posted by Willow
As pavement tested said, speeding is speeding. If the insurance company found out you had one ticket, they probably won't do much. Rates really don't go UP until you get 3 marks against your record.
That may be the case in Washington, but it is not true in Oregon. Your first speeding ticket gives you 2 'points' ('marks' as you've called them), and subsequent tickets are worth 1 'point' each. So, your first speeding ticket in Oregon will impact your rates more heavily than any subsequent tickets.

Learned this when my girlfriend received her first and only speeding ticket a couple years back.
Oct 26th 2016, 11:57 AM   #12
 FZ1Mike's Avatar
 
  Sep 2016
  Kenmore

  2005 Fz1 The Fazer
Getting a lawyer makes it go away nine out of ten times. Saves money in the long run.
But I can tell you from my personal experience that once you go to a liter sportbike, cops look at you, look at your bike and then deliberately look the other way as if saying "go about your business buddy cuz I know I can't do s*** to stop you."
I cant tell you how many times Ive blown by a cop at 75 and literally watched them turn their head the other way.
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Oct 31st 2016, 10:28 AM   #13
 caslaw's Avatar
 
  Feb 2016
  Portland

  2015 KTM 1190 Adventure; 2010 WR250R
Fight every ticket like your license depends on it because it does.
Oct 31st 2016, 12:19 PM   #14
 JohnnyM's Avatar
 
  Jan 2016
  Pullman, WA

  '73 CB350F, '86 VFR750F, '00 Aprilia RS250, '04 Aprilia RSV1000 R Factory(x2), '07 Star 1100 Classic
Quote:
Originally Posted by caslaw
Fight every ticket like your license depends on it because it does.
*OP may be slightly biased, even if it is correct advice.
Oct 31st 2016, 01:16 PM   #15
 caslaw's Avatar
 
  Feb 2016
  Portland

  2015 KTM 1190 Adventure; 2010 WR250R
Quote:
Originally Posted by JohnnyM
*OP may be slightly biased, even if it is correct advice.
LOL, now Johnny you know I don't handle tickets but I do support full employment for lawyers so I will admit to minor bias. ;-)
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