If I Hit a Parked Car Will it Affect My Insurance Points?
Reader’s Question:
Will I get points on my insurance if I accidentally hit a car in a parking lot in the state of Michigan? Does this also apply to other states?
James
Michigan
The law of Michigan Vehicle Code assigns a corresponding points to each traffic violation based on the state’s point
system. These points, which are placed on the driving record after the driver is convicted for this moving violation, remains on the driver’s record for two years from the conviction date.
Note that the point system used to your driving record is different from the point system used by insurance companies for determining rate. The point system used by insurance companies is based on the Michigan Insurance laws. We can therefore say that point system varies from one state to another depending on the state’s laws.
According to the auto insurance eligibility fact sheet of the Michigan Financial and Insurance Services, he equivalent point is 3 if you are at-fault by more than 50% in the first accident. The succeeding accidents here you are still at-fault by more than 50% is equivalent to 4.
Your insurance provider can give you more information on the impact of this accident to your insurance rates.
How Long Does an OWI Stay On My Record in Michigan?
Reader’s Question:
How long does an OWI remain on my driving record to my insurance company in Flint, Michigan?
Murphy
Flint, MI
The Michigan Financial and Insurance services Insurance Eligibility fact sheet states that insurance carriers can turn you down for car insurance if within the past three years you have been found guilty of DUI or driving under the influence of drugs or alcohols.
Since your OWI should be on your Michigan driving history for a minimum of ten years if an insurance carrier asks you about violations in on your motor vehicle record or if you have been convicted of such an offense then you will need to tell your insurance company of your OWI conviction. If you fail to do so and they later see it on your MVR then the car insurance quote amount you were given will likely be inaccurate since you did not provide them all the information they need to give you an accurate insurance rate quote.
Do I Have To Report My OWI To My Michigan Auto Insurance Company?
Reader’s Question:
How many years do I have to wait, before I do not have to report my OWI to my insurance provider in the state of Michigan?
Kurt
Detroit, MI
Alcohol violations in Michigan, such as driving under the influence or operated under the influence of liquor, stays on your record for a minimum of ten years. As for car insurance rates, typically they will be affected for at least three years after you have been convicted of a OWI or DUI and some companies go back seven years.
Since your OWI should be on your Michigan driving record for a minimum of ten years if an insurance provider asks you about violations in on your driving record or if you have been convicted of such an infraction then you will need to inform them of your OWI conviction. If you do not inform them and they later see it on your driving history then the quote amount you were given will likely be wrong since you did not provide them all the information they required to give you an accurate rate quote.
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