DMV points?
 

Hello friends..

Will we get DMV points if we get our car slightly damaged by rubbing on the curb that invloves around $1500 in fixing the damages?

There is no third party involved or no police reports and it is just negligence on the part of the driver.

the insurance premium will go up??

my friend is saying it won't since it doesn't invlove any third party and also didn't damage others property.

Thanks for any input.

I'm not quite sure how things work in CA, but in MA, if you put in a claim, and the damage was caused by you, then your insurance rates will likely go up. I'm not sure whether the DMV would count that as a collision and assess points against you. A simple call to the DMV annonymously should provide you with the answers you seek. Your insurance agent may be able to answer your questions too. You might want to ask them in a "hypothetically speaking... " way.

In CA, you must report all accidents to the DMV if they involve $750 or more damage. These go on your record and are available to your insurance company. Whether this affects your rate is company dependent.

In practice, at least when I lived there, is that people rarely filed the DMV accident form if there was no police report or insurance claim.

See:

http://www.dmv.ca.gov/dl/dl_info.htm#2509

I hear the DMV runs a frequent speeder program. If you collect enough points, you earn an all-expenses paid vacation. http://www.flyertalk.com/travel/fttr...orum/smile.gif

Thanks Steve for your input and link.

This statement is from DMV page..
"
If you are involved in a vehicle accident that occurred in California, you must report it to DMV if:

There was property damage of more than $750 ($500 for accidents prior to January 1, 2003) or any one was injured (no matter how minor) or killed.
"

I am not sure on one thing...if i rub on a roadside curb causing a minor dent or scratch
on a RENTAL car and the insurance pay more tha $750 to fix it...will that considered as an ACCIDENT since it doesn't involve anyone or a private property and no police claim?

thanks for any ideas/inputs.

It is considered an accident, and technically, you must report it. Most people don't report it, and DMV will never know. Then the only question is whether your rental car company would report it. My guess is that if you made them whole (if you had insurance, or paid for the damage), they wouldn't bother. Of course, the standard disclaimer applies: breaking laws, even small ones, is always a tricky business with a lot of potential surprises. http://www.flyertalk.com/travel/fttr...orum/smile.gif