Automobile Insurance Company Louisiana
Reader’s Question:
What will happen if I dont declare my traffic tickets when I am buying car insurance in Baton Rouge, Louisiana?
Alex
Baton Rouge, LA
When shopping or filling out an application for insurance you should always provide the complete and most accurate information possible. If the insurance carrier in Baton Rouge asks about your traffic violations that happened within a certain time period you will have to mention the traffic tickets that you received within that time frame.
If you do not inform your traffic tickets and therefore give inaccurate information about your driving history then when the insurance carrier runs your driving record, the car insurance quote you were given originally will have to be changed so that you can be rated appropriately using the information the insurance company finds out from your motor vehicle record (MVR).
For example if you forgot to inform an insurance company in Baton Rouge Louisiana of a speeding ticket you received two years ago then the amount for your insurance rate premium quoted to you could change once they find out about this violation and therefore to keep your car insurance policy in effect you would need to pay an additional amount to the insurance carrier. If you fail to tell an insurance carrier about a major violation, such as a DUI, then your insurance policy may be canceled.
If you leave off intentionally information or mislead the insurance carrier in order to get a lower premium rate it can be construed as misrepresentation in many states, a form of insurance fraud.