Will Canada Speeding Ticket Affect My California Car Insurance?
Reader’s question:
I received a speeding ticket while driving my boyfriend’s car in Canada. is it still going to show up on my insurance if I pay it? I live in LA California.
Christina
Thank you for asking Christina.
Your home state California is part of the Driver’s License Compact or what is known as DLC that requires all of its member states including California to report or informed the member state of all the moving violations by their licensed motorist. Although Canada is not part of the DLC, California may have the same agreement as well.
California Vehicle Code , Provision 13363 states that the Department of Motor Vehicle can suspend the license upon the notice of conviction of a person in a state of territory, district of Columbia, Puerto Rico or the Dominion of Canada of an offense which if has been committed in state, would be grounds for suspension of the privilege to operate a vehicle.
This means that the the convictions in Canada will still be reported to the California Department of Motor Vehicle. You may contact the California DMV to verify if the speeding ticket has been transferred to them or if points has been assigned already. The point assigned for a speeding ticket in California is 1 point.
This however will not show up on your friends record nor affect her insurance rate.
Goodluck!
MariCAR
Car Insurance Problem in California On a Rental Car
Reader’s question:
If a rented vehicle got involved in an accident who are responsible for the damages?
Amber
Good question Amber.
If you are renting a car from the rental company, you will be asked to sign a form that says that you will be held responsible for the damages caused to the vehicle as well as the damages caused to the other vehicle even if they were at fault in the accident.
According to the California Department of Insurance’s guide to car insurance, the renter will be held responsible for the damages to the vehicle in accordance to the rental agreement. They would normally offer a Damage waiver which serves an agreement between the rental company and the renter.
You must review your own car insurance policy to check any applicable extension policy regarding renting cars. You must also verify the liability coverage in the event if the rented vehicle got involved in an accident.
If your car insurance provides coverage for rental cars, you do not need to purchase the insurance from the rental car. Some credit card companies also offers insurance if you use it with rental car companies.
Almost in all states, renters are obligated and will hold responsible for the cars they use or rent. But this does not apply to all states. In Arizona, California, Connecticut, Delaware, Florida, Idaho, Iowa, Maine, Michigan, Minnesota, Nevada, New York, Oklahoma, Pennsylvania, Rhode Island, and Wisconsin and the District of Columbia, car rental companies can be held responsible for the damages on the rented cars.
Goodluck!
MariCAR
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