When (and for how long) can New York State Insurance Companies Raise Your Car Insurance for Tickets?


In NYS, companies can increase your insurance premiums for three years (look back period) after their discovery. 

New York State Insurance Law § 2335 can be complicated to read and understand.  It loosely states that an insurance company CANNOT raise your premiums if you have a traffic infraction

UNLESS it is one of the following situations:

  1. Speeding more than 15 miles per hour;
  2. Reckless or speeding resulting in a death;
  3. 3 speeding tickets;
  4. Driving drunk (DWI) or impaired (DWAI);
  5. Leaving an accident w/o reporting it;
  6. Racing/speeding contests or running from the police;
  7. Two or more moving violations.

If you are cited for any of the above situations, it is in your best interests to consult with a New York attorney who handles DWI or traffic-related cases.  

If you have questions about a traffic ticket or a DWI or criminal case in New York, call us:  (607) 229-5184

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