Does my insurance company find out if I get a ticket?

Getting a traffic ticket will always be annoying. It can ruin your whole day and will cause you to worry about how much it costs and how long it will stay on your record.

Then you realize that there may be other repercussions. Once your insurance company finds out about your ticket, will your auto insurance rates go up too?

What happens after one ticket

Drivers in Houston, TX may not need to worry about one ticket. Most insurance agents at Memorial Insurance Agency or other insurance companies may not ever find out about the ticket right away. Unless there are warning signs, insurance companies won’t check your driving record regularly. They will only find out about your incident quickly if you tell them.

One ticket may not make much difference anyway. An insurance agent is unlikely to find out about one ticket unless you are just signing up for a new policy or renewing a policy.

Multiple tickets

If you start getting numerous tickets, Texas will keep track of the violations on your driving record with a point system, and points stay on your record for three years. You could get 2 points for a moving violation, or more if the moving violation caused a crash. Operating while intoxicated and failure to stop at an accident are even worse for your driving record, and you will be charged by the state of Texas every year you have too many points.

Even though it may seem overwhelming, this is the most critical time to make sure you are protected. The agents at Memorial Insurance Agency are working hard to serve the people of Houston, TX, and they will work with you to make sure you get the protection you need. Contact our offices to receive a quote.

Ugly Sweaters and Christmas Opening Hours!

Whose sweater is the ugliest? Answers on our Facebook page please! Memorial Insurance will be closed on December 24 (Christmas Eve), December 25 (Christmas Day), and December 31 (New Year’s Eve). We will be open as usual on December 26 through December 28. A very Merry Christmas and a Happy New Year to all our clients!

Christmas Party!

On Friday, Memorial Insurance had our annual Christmas party at the superb Seasons 52 restaurant in the City Centre. A great time was had by all! Thank you to Mayra Reyes for arranging everything. Back row from left to right: Jacquelyn, Katrina, Sandra, Justin and Dominic. Front row: Mayra, Marcella, Brenda and Stephanie.

Top 5 Christmas Safety Tips

The most wonderful time of the year is also one of the most dangerous! Keep an extra close eye on the following sources of holiday woe…..

  1. FIRE, FIRE EVERYWHERE! Even Texas can get cold in winter, so make sure your seldom-used woodstove or furnace is well-maintained. Keep flammable objects such as clothing, Christmas decorations, cats and children well away! Candles and drapes do not go well together so be sure to NEVER leave naked flames unattended.
  2. ELECTRICAL DISASTERS Christmas is the season for wannabe electricians to practice their skills with the Christmas lights. Avoid the chance of electrical fires by checking for frayed wires or corroded sockets, and do not overload your outlets or extension cords. Save money on your electricity bill and further reduce the chance of a fire by switching off your Christmas lights at night.
  3. KITCHEN CATASTROPHES More people in the house means more traffic in the kitchen, and a higher chance that your big bubbling pot of boiling liquid could end up getting knocked off the stove top and give someone a Christmas they will never forget. Keep children, guests and pets out of the kitchen while the cooking is happening!
  4. WRECKS Multi-tasking much at Christmas? The roads are busy, the weather can be bad, and people are racing around to beat Christmas deadlines. Allow extra time and don’t be tempted to text and drive!
  5. BOOZE Did you know you could be held liable in court if you allow an intoxicated person to drive home from your Christmas party? The solution: offer a rideshare service such as Uber, or make up the spare bedroom – it is much better for your inebriated guest to crash there and NOT on the highway!