will my insurance go up with a cellphone violation in california. i have liberty mutual

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 2, 2012

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Insurance Question from Chino Hills, CA

Asked on 03/02/2012

will my insurance go up with a cellphone violation in california. i have liberty mutual I have liberty mutual car ins. and i just got a ticket fo cell phone violation. Wll my insurance go up

Answer given on March 03, 2012

While each state and insurance company is different in how they charge for various tickets, most insurance companies in California do not charge for a cell phone ticket. It is not considered a moving violation as far as insurance rating goes, so it will not affect your insurance rates. However, if you cause an accident while driving and using a cell phone, you will be subject to a rate increase for the accident. Also, many towns and cities are being very aggressive if you cause an accident while talking on the phone or texting.However, this is a very expensive ticket and if you get another one, the financial effect for the ticket will outweigh the possible effect on your car insurance. You need to get a headset if you are going to continue to use your cell phone while driving. It has been proven that this is a very distracting and dangerous practice, and some insurance companies are considering changing their rates to charge for such tickets.

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