Traffic Updates

Does A Parking Ticket Affect Your Car Insurance

Driving is fun and exciting at some point. But things do change when parking comes into the scene. 

In fact, it can be said that parking is a universal problem. In some states and cities, parking areas and signs are pretty confusing.

Of course, you are just a human, and you are bound to imperfection. With all these factors come into play, there’s a good chance that you’ll get a parking ticket. You might have one already right now. 

If you ever did commit a mistake in parking, just pay for it. Do not contest it. Just pay for the fines so that you can get over with the complications. But if the call was wrong, you can always make an appeal–with legal intervention if possible. This will help you defend your case better. 

Regardless of the outcome of the case, it is pretty sure that you are wondering if the parking ticket will influence your insurance policy. Well, we are going to elucidate this matter right now. 

Does Parking Tickets Affect Your Car Insurance?

First thing first: let us clarify that parking tickets do not have any impact on the premium rates of your car insurance. Parking tickets are different from speeding tickets and other related violations. They are the ones that have an adverse influence on your policy. Keep in mind that you were not operating your car when you received the ticket. Hence, it is considered as a non-moving violation. Automotive insurances do not include that in the infractions that can affect your premium tickets. 

It is a given that these insurance companies do not pay importance to your history of parking tickets. Therefore, you should not also use it as a basis for making claims. It will definitely be ignored. 

Interestingly, having a long history of parking tickets does not make you a bad driver. Technically, that is not the case. For insurance companies, a bad driver is a person that frequently gets into accidents. That person is certain to get higher premiums than a person who has parking violations. Therefore, there’s no difference in a driver with no parking ticket from a person with a hundred of it. They will pay the same insurance rates, and they should not worry about increased car premiums. 

What Are The Traffic Tickets That Affect Insurance Premiums

Parking tickets are perhaps the only type of “ticket” that do not influence your car insurance prices. Technically speaking, tickets handed by traffic and police officers have more influence on your car insurance policy than the tickets given by municipal personnel. The latter includes parking officers. 

These are the parking tickets that are notorious for affecting the premium rates of insurance policies:

 

  • Reckless or careless driving
  • Distracted driving tickets
  • Under the influence of alcohol and substance
  • Speeding tickets
  • Other tickets related to moving violations

 

Keep in mind that these tickets can stay in your record for 3 to 5 years. They will increase your premium rates significantly–especially if you get any of these tickets within the said period. Meanwhile, one speeding ticket might not significantly affect your insurance policy. But accumulating these tickets will certainly increase the rates. 

Why Are Parking Tickets Not Included In The Car Insurance Premiums?

The reason for this is quite simple. Parking tickets are not added to your professional driving record. Hence, car insurance companies do not see them. Even if they want to tax your premiums because of these tickets, they will not be able to do so. After all, they have no access to these files. 

Even the DMV and related authorities do not see these parking tickets. Hence, the latter will never be published in your abstract. 

Not Paying Parking Tickets Will Affect Your Car Insurance

Acquiring a parking ticket will not influence your car insurance premiums. However, ignoring the tickets by not paying them is a different story. They will affect your insurance premiums. Therefore, if you are the owner of the vehicle that got the parking ticket, you are obliged to pay the fee that comes with the ticket. 

If you do not pay for the parking ticket, it will cause complications during the renewal of your vehicle registration. Every state in America has laws that require car owners to pay their parking tickets before they can register a vehicle. The renewal will not happen unless the parking tickets are settled.