Marijuana questions related to auto insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 13, 2011

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Insurance Question from Aloha, OR

Asked on 09/13/2011

Marijuana questions related to auto insurance If you get a marijuana traffic violation not misdemeanor with less than 1 oz, and go for the diversion program. Then after the diversion program does the charge gets dismissed. Does my insurance company ever know about the charge?, or is my insurance affected? State of Oregon, and state farm insurance. Thanks

Answer given on September 18, 2011

If the marijuana infraction is a moving violation ticket, it would be considered as chargeable if there is a point charge on your record. If the diversion program eliminates the ticket from your record, then it would not be showing on your driving record when the insurance company runs the record for their underwriting purposes.If the ticket & diversion program do not purge the ticket from your record, then the insurance company will see it on your record. However, if it is not charged a point, then there would be no surcharge on your insurance.You should check with the DMV to see if the diversion program eliminates the ticket from your record. They should be able to answer that question. You may also want to check with your insurance agent to see if they know if such a ticket will reflect on your rates. If you were only in possession, and not under the influence, it should not be a large increase even if there is a charge. However, if you were under the influence it will have a significant effect on your rates.

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