Getting ticketed when driving someone else's vehicle

[Smartidiot]

Hello,

I have a question here that I need an answer from insurance experts on the forum....

i got a ticket today for "failing to stop at the stop sign" when drving my girlfriend's car. (The owner of the car is her mom, precisely).

So here I am wondering whom the subsequent liability/lien of this conviction would fall under as it'd somehow affect the insurance premium ( i'd want it to fall under my name for obvious reason..).

also..is this ticket a 2 demerit point or 3 demerit points?Any input are highly appreciated....

I am from Toronto, Ontario

[Cali 2 Balti G]

Hello,

I have a question here that I need an answer from insurance experts on the forum....

i got a ticket today for "failing to stop at the stop sign" when drving my girlfriend's car. (The owner of the car is her mom, precisely).

So here I am wondering whom the subsequent liability/lien of this conviction would fall under as it'd somehow affect the insurance premium ( i'd want it to fall under my name for obvious reason..).

also..is this ticket a 2 demerit point or 3 demerit points?Any input are highly appreciated....

I am from Toronto, Ontario

Who presented their license when u got pulled over? - that is who is responsible for the ticket. If it was a non-moving violation like a traffic camera or parking ticket then - the ticket would go to the registered owner.

[Dancop]

Im only speaking for the Virginia court system here. When/if convicted the court system "does not" notify the insurance companies, obviously they only notify the DMV. The insurance companies periodiacally run random checks on their clients, but they have too many to check everone. Also when you change insurance companies they ask about any prior tickets etc.

So thats it in a nut shell, hope this helps.

Danny

[smockers83]

The driver is liable to pay the ticket as he/she is the person who presents the driver's license. However, the ticket will go against the insured if that person's driving record is audited.

As an owner of a car, if you let someone else drive your vehicle, you accept responsibility as the one insuring the vehicle if something happens.

[marlin29311]

The driver is liable to pay the ticket as he/she is the person who presents the driver's license. However, the ticket will go against the insured if that person's driving record is audited.

Violations are tagged to your MVR - if you were driving the car and you handed your licence over to the police officer, it's on you, not the owner of the car. Losses (crashes, etc) would be tied to the owner of the car, as they are filed with the insurance company, not the DMV.

Insurance companies pull the driving records off of the MVR's for each driver's licence number. Violations are not vehicle specific.

[C-Kwik]

Violations are tagged to your MVR - if you were driving the car and you handed your licence over to the police officer, it's on you, not the owner of the car. Losses (crashes, etc) would be tied to the owner of the car, as they are filed with the insurance company, not the DMV.

Insurance companies pull the driving records off of the MVR's for each driver's licence number. Violations are not vehicle specific.

Generally speaking (I say generally because I do not know the law in every state), the ticket follows only the driver as you state. However accidents are more complicated. They do not have a direct affect on rates of an individual driver. But some companies that have fairly conservative underwriting practices may decide not to take on a risk if a person's claims history shows that the person lends out their vehicle. While it could have a been a one time thing, statistically, a person is unlikely to get into an accident while borrowing a car for a one time event. If the person is dropped or unable to be insured by a company, there may be an indirect rise in rates due to inaccessibility to some of the companies that would provide him with the lowest rates.