Will my Auto Insurance Be Canceled Due to Speeding Ticket in Texas?
Reader’s Question:
I’m from Texas and I’d like to know if my auto insurance will be canceled if I get a speeding ticket?
Brenda
San Antonio, TX
Yes, insurers may decline to issue or renew your car insurance policy based on your driving record. Your driving record includes tickets you have gotten or reports on car accidents you have caused. Car insurance providers check the state database of traffic violations every so often to make sure that their policyholders have no unreported traffic citations. Insurers have the prerogative of canceling your insurance policy for any reason within the two months of your initial purchase. This means that if you get a speeding ticket within that two-month period, your car insurance provider could cancel your policy. After the two-month period, your motor vehicle insurance provider may not cancel your coverage unless you were unable to pay your premium.
Most insurers do not refuse to renew or cancel your policy for a single speeding ticket. However, they may increase your rates if you renew your policy. Also, most motor vehicle insurance companies check your driving record for the past three years, so you may want to take a defensive driving course to remove tickets from your driving record. Most Texas law enforcers permit you to take a 6-hour defensive driving course. You will be required to pay to take this course and it can only be taken once a year to remove one ticket. This however does not remove your ticket for speeding more than 25 miles the prescribed limit.
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