Here's a Question.....

no, two different worlds. But don't even think about getting a DUI in either, then you'll see that wall disappear.

 

My car insurance went up when I got a ticket for a worn tire on my employer's rig. Later, it was lowered when I explained that I did not own the rig.

 

Times must have changed. I remember in the 80's I got two tickets in two weeks for 70 in a 55 when my brother was in intensive care from an illness that eventually cost him his life. My car insurance doubled the following year, even though I've never had a ticket or accident in my personal vehicle.
If they really do keep it separate now, that's great news. I argued with the insurance company every year for three years until the increased cost finally dropped off. I never did agree with having work related occurances affecting your personal license, with the exception of things like DUI's or leaving the scene of an accident and such.

 

WRONG!!!!


Well let me rephrase that. It may be different for different states. It may mater what stat you get the ticket and what your home state is. but in most cased He is wrong.

In most cases, if the incident in the cmv is reported to your home state, then it will affect your personal vehicle record. Now I got a ticket a while back in nj with 2 point but it never affected anything since my home state of PA doesnt accept NJ points. But, its just like any other vehical as far as tickets.

 

My auto insurance has never gone up based on my accidents. The policy that covers your company truck is own by the company and not by you. Therefore it should not effect your auto policy. If you owned your own rig and wreck it then you auto rates would be effected. Because you only have 1 license any points award to you by the state will effect your rates on any vehicle you drive.

 

Very good question, and I think we're yet to see the definitive answer.

 

I was involved in an accident last September in a company truck. I was not at fault. My personal insurance didn't go up. I don't know about at fault accidents. It probably depends on how desperate the insurance company is for money.

 

The first thing an underwriter will do [and every subsequent year] will run a DMV report and get a points total to set the new premium's rate. It makes no difference to them at that point how/where the accident or ticket occurred, and they don't really care. A point on your DMV report is a point, regardless.