Automobile Insurance Rate Camarillo California CA

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Reader’s Question:

I am driving my friend’s car when I received a ticket for running a red light. I have no auto insurance policy. I was fined for said traffic violation but I was not given a citation for not having auto insurance. What worries me is, will this affect my friend’s auto insurance rate in Camarillo, California? He has auto insurance policy on the car that I was driving.

Althea

Camarillo, CA

In general if a person received a ticket on his or her name that citation will affect his or her driving record not the driving record of the person who owns the car that the violator is operating at the time of incident.

So to answer your question, since you’ve mentioned the ticket was issued on your name, thus it will affect your driving records not your friend’s records. Said moving violation would reflect on your record and you are the one would get points for that and not your friend who owns the car you were using then. Your friend’s auto insurance rate will not be affected. As you see, driving records is one of the factors that affect a policy holder’s auto insurance rate.

If you would continue borrowing your friend’s car, I would suggest telling your friend to ask his or her auto insurance agent in Camarillo, CA to better clarify this matter. Also, to know whether you will be covered by his/her insurer or not if an accident happened while you are driving your friend’s car.

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