Have insurance with statefarm daughter wrecked car a year ago no history of wrecks after or before or citations got traffic citation today will this affect car insurance?
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Answer:
Probably. Records of cars and accident history are keep by the authorities and this will definitely affect your car insurance application. Claims history will usually stay on a persons record for about 3 to 3 1/2 years, or maybe even 5 years, so the accident your daughter had last year will still show up for a while. Also, if they find the citation at the renewal, I think you will probably be looking at a significant increase. In Texas an accident AND a ticket would add 3 surcharge points to the policy for most companies I'm familiar with. Another option, if it's available, would be for you to have her take Defensive Driving if she is eligible to see if she can have the citation dismissed.
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