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Does a speed camera ticket increase your auto insurance rates?

Camera tickets affect on auto insurance.

A question that we’re commonly asked here at Huff Insurance is: Does a speeding camera ticket affect my insurance rates?

Well, currently in Maryland, they cannot positively identify who the driver is who received the ticket in the vehicle. So therefore, the ticket does not show up on your Maryland driver’s license. The ticket is simply just mailed to the registered owner of the vehicle.

In Maryland, several counties and cities have enacted the use of speed cameras and red light cameras. Because of this, we hear the question on how it affects auto insurance premiums on a regular basis.

Speed Camera and Auto Insurance, Huff Insurance, Pasadena Maryland

In Maryland, the camera tickets are mailed to the vehicle’s registered owner, regardless of who what actually driving the vehicle. So if you loan your vehicle to your best friend, your kids, the neighbor, etc. and they get a speed camera ticket, the ticket is coming in your mailbox.

If the you simply pay the fine, then the violation will not appear on your driving record, and therefore not affect your auto insurance premiums.

You also have the right to fight the ticket in court. But. should the you elect to fight the ticket in court, and lose, being found guilty by a judge, that camera violation then WILL be put on your driving record and most likely will cause an increase of your auto insurance premiums at their next renewal.

So, if you do receive a camera ticket in the mail, you will have to make the decision to either pay it, or fight it.

At Huff Insurance, we always encourage our clients, family and friends to adhere to the laws

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