Ok, so everybody has heard the story that if you overpay a ticket, and then never cash the refund check from the court's clerk, they never process the ticket because their books aren't settled...or something like that. Bottom line, they say that if you overpay and never cash, your insurance never finds out.

Well I got 2 tickets this year, went to court for both, got both reduced. One was back in April (reduced in May), other was back in Nov (court in Dec).
I got a $2 refund check from the second court that I havn't cashed yet.

Well I just got a notice from my insurance that they did a random MRV and discovered the ticket from April. Funny thing is, the notice is dated this week. Meaning, that it's been almost a month since my court date, and even longer since I actually recieved the ticket...and it didn't show up when my insurance company did their search. Also I havn't yet recieved a letter from my state's DMV telling me that I was found guilty (of the lesser charge I bargained down to), which I did recieve for my last ticket.

So I'm wondering if there maybe a little truth to this urban legend. The last thing the clerk said as I was leaving the court and she handed me hte check was 'now remember to cash this so you don't screw up my books'.

I'm not saying I'm convinced that this method actually works...I'm just saying there's a chance. I'll let you guys know how if anything changes.

Interesting....I'm sure that not cashing the check slows down the government processes somehow.

Since it took so long for them to find out about the April conviction, it may be until September (the same 9 month period) that they find out about the December conviction.



But it may be tough to keep this thread current for that long :biggrin: but we can persevere I'm sure.

Interesting....I'm sure that not cashing the check slows down the government processes somehow.

Since it took so long for them to find out about the April conviction, it may be until September (the same 9 month period) that they find out about the December conviction.



But it may be tough to keep this thread current for that long :biggrin: but we can persevere I'm sure.
Aw c'mon fred, it's easy to keep us updated, just follow the AF guidelines. Start a new thread with the update about this incidence and then put a link in that thread to this one. It's easy:grinyes: :wink: .That way you won't be bringing up "old , outdated threads".

Aw c'mon fred, it's easy to keep us updated, just follow the AF guidelines. Start a new thread with the update about this incidence and then put a link in that thread to this one. It's easy:grinyes: :wink: .That way you won't be bringing up "old , outdated threads".

:lol:

Or we can just post within 30 days to be technically legal. Only 9 more posts to go!

:popcorn:

Well I talked to my insurance agent and he said the reason they didn't find out about the first one until now is because they only do random MRVs unless they have a specific reason to pay attention to your policy. Like a change, possibly a renewal, or a claim. I'm getting close to my renewal date, so either it was because of that, or simply a random one that I happened to get selected for.

There are advantages to keeping under the radar.....I'm pretty sure you don't want to ask them to check your driving record again for the sake of testing the urban legend......

LOL, no my agent is a personal friend. He's been in the car for me being pulled over at least twice. He wouldn't raise it or any flags...that's all on the insurance company.

bump

So I got my insurance renewal in the mail, and 'who knows' is all I can say now. The first ticket was listed, 2nd wasn't, and oddly enough....my premium dropped another $300 a year. I have no idea why it dropped $300 for me getting a ticket...but I sure as hell am not gonna ask anybody to look into it :biggrin:

Your renewal didn't say why your rate dropped? There are a number of reasons why your rate may have decreased, such as a rate change from the insurance co., this may be because you are getting older(I guess more "safer" in the eyes of the ins. co.,) a general rate decrease for your vehicle because of a number of factors, (i.e. claims paid out for this type of vehicle may have gone down, etc.). I have been with my insurance company for 23 years and over the years have seen my rates decrease because of the number of years I've been with them, being accident free, the rates for my classification and/or vehicle have gone down, or rates in my state have decreased. Usually the reason why I am seeing a decrease is printed on my renewal. Some times the rate reduction has nothing to do with a ticket and some insurance companies "forgive" your first ticket and don't hold it against you. As long as they don't "discover" another one.

well lets add this angle to it.
i got a ticket last summer.
when my insurance came, not only had it not gone up, it went down.
i sure as hell didnt overpay either.

Good that insurance is dropping..Igovert, did you have a birthday?

There has also been a lot of competition in the industry lately. Here in VA, GEICO has dropped their rates 3x in the last year (at least that's what they advertise) and other companies have matched the rates.

Competition between companies is good for consumers.