LOCATION: New York, USA
I’m trying to understand my situation and figure out how I can recover and eventually drive again.
A few days ago, I received a speeding ticket for 96 mph in a 50 mph zone at night. The problem is that I already had another speeding ticket about a year ago for 90 mph in a 50 mph zone. My dad hired a lawyer for the previous ticket, and the lawyer delayed things, so now multiple traffic violations have accumulated. I have some points from other violations, but the main concern is the two major speeding tickets.
From what I understand, my license will likely be suspended, but I’m getting conflicting information about the insurance situation. I’m currently under my dad’s insurance, and I was told that the insurance company is dropping him because of my tickets. However, I’m not sure if that means:
- they are canceling the policy completely,
- they are only increasing the rates,
- or they are removing me as a driver.
I’m trying to understand the reality of the situation.
For the short term, I still have some errands I need to complete, and I was considering driving for a few more days before switching to public transportation. I want to understand the actual risks of driving during this period, especially if I am no longer covered by insurance.
My main question is: how do I recover from this and become able to drive again?
I don’t have a history of serious accidents. My main issue is speeding violations. I know this is a serious mistake, but I want to fix it and rebuild my driving record. Is it possible to get insurance again after this? What steps should I take (lawyer, defensive driving course, waiting period, getting my own insurance, etc.)?
I’m looking for realistic advice from people who have dealt with similar situations.
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Additional context: I also have a question about my family’s insurance situation. My younger brother is starting to drive, and we share one family car (my mom’s car). He has very little driving experience, but he is apparently still allowed to drive while I am not.
I understand that this may come down to trust because of my speeding tickets, but I’m trying to understand the insurance side of it. If we are both covered under the same insurance policy, wouldn’t an accident or claim caused by him also affect the same policy? Is there actually a major difference between him driving versus me driving from the insurance company’s perspective, or is it mostly because my recent speeding history makes me a much higher-risk driver?
I’m not trying to argue that I should automatically be allowed to drive — I’m just trying to understand how insurance companies view this situation.
Two speeding tickets (90+ in a 50) within one year — how do I recover and get insured/driving again?
byu/AB4ND0N_H0PE inInsurance
Posted by AB4ND0N_H0PE
11 Comments
stop speeding and get a bus pass, you’re gonna need it.
Goodluck! I hope you get some good advice and slow down. My understanding is that you will be able to get insurance, it will just cost slot. You need to read the letter the insurance sent you to understand when you’re being dropped. It may be that the policy is being non renewed rather than dropped immediately. The insurance sent something, read it carefully.
Be prepared the comments you get in this sub will be brutal because of how dangerous and careless speeding to that degree is.
You don’t
You have likely, single-handedly, made your entire family uninsurable.
You also likely won’t be driving a motor vehicle for a long time.
There is one option. You could move to a country that doesn’t require driver’s licenses.
Dude. Where the fuck you going? Nobody needs to get anywhere that fast…TWICE.
Have your dad remove you from the policy, let you fly by on your own. Apply for insurance on your own, purchase lube, and bend over when you get the rates.
Lol. Didn’t learn his lesson the first time and gets a ticket going even faster. Nobody wants you on the road. Better hit up goodwill and buy some comfy shoes, you’ll need it
I speed from time to time (not proudly)… but god damn 90+ in a 50 is beyond fucked
Kid, society has rules and guard rails, and you violated the rules and smashed into the guard rails. You did the fuck around part, now you are in the find out part.
You notice when you are going 95 that the other drivers are doing 65-70 at most in the passing lane in a 50 zone. Thats because thats the fastest they can do without getting pulled over, and if they do, they aren’t losing their licenses and the officer marks it down to 5 over. Moron, look around and realize how things work.
Kind of glided over the other traffic tickets didn’t we ? Go ahead and list them
You need a damn good lawyer; but excessive speeding while the first speeding ticket is still being contested is going to work against you.
For now, you must ask your parents to exclude you from the policy and you have to sign and mail the form to them; but all future claims for your household will still be highly scrutinized (because of an excluded driver).
I hope your brother isn’t going to try flying to mars using mom’s car; he should be fine as long as he follows the rules and safety.
If you’re one of those speeding guys in i84 that I always watch out for and safely switch lanes so that you won’t hit me, wouldn’t you agree that you deserve this?
Ask your dad’s insurer directly which of the three things is actually happening, non-renewal (they won’t renew when the term ends but you’re covered until then), mid-term cancellation (coverage ends now, rare and usually needs a specific violation-based reason allowed in your state), or excluding you specifically as a named driver (the policy continues for everyone else, you’re just not covered to drive under it). Those have very different timelines and consequences, and “dropping him” could mean any of the three.
If you’re excluded or the policy lapses, driving during that gap is a real risk, not just a technicality, an at-fault accident with no coverage becomes a personal financial liability with no cap, on top of whatever criminal/license consequences follow from driving on a suspended license.
On your brother: it’s about his individual risk profile (clean record, no major violations) versus yours, not a structural insurance rule. If you get formally excluded as a driver, that protects the family policy specifically from your risk, and his own future incidents would still affect that policy’s rates and renewal normally, exclusion isn’t about hiding a driver from a claim, it’s about not paying to insure someone the company considers too high risk right now.
Rebuilding: most people can get insured again after high-risk violations, just through a non-standard/high-risk carrier at a much higher rate initially, and options open up again after 3-5 years of clean driving depending on the state and violation type. A defensive driving course sometimes helps with points/reinstatement depending on your state’s DMV rules, worth checking that specifically before assuming it will lower your insurance too.