s2kdriver80

I was ticketed for speeding in Suffolk county NY driving my sister's car. Does the violation follow the driver or car, or both? I'm willing the accept the consequences for my actions (paying the ticket, getting the DMV points, and paying the higher insurance premiums), but she shouldn't have to (unless you take into account the fact that she let me drive her car). Insurance premiums would probably rise on my policy, but would it affect hers? We have the same insurance company but are on different policies.

devs2k

It won't affect her, only you and your license points, insurance etc..

Do you live in the same house?

Deception

the only tickets that go to a specific car are parking etc or red light cameras

scottieboy561

same thing happened to me it has nothing to do with the owner of the car its all you license. so its you insurance, points ect.

Langelo DeMysterioso

You bought it.

s2kdriver80

Thanks guys. I wonder... if I got into an accident (my fault) driving someone else's car, whose rates would be affected? Using that same cut and dry principle, only my rates should go up.

Deception

It depends, what if you were licensed to drive, but dont have your own car. The claim would be put through on the insurance of the vehicle owner. Claims = payouts, payouts = raise in premiums. You would still have an accident on your driving record though, which would affect your premiums if you got a policy. The only way to know for sure is call your carrier & ask them.