Question: Can a cell phone ticket affect my insurance?
Yes. A New York cell phone ticket can affect insurance because a conviction is 5 points and appears on the driving record.
A cell phone ticket is a point-carrying moving violation in New York. Insurance companies may consider traffic convictions and driving-record history when setting premiums.
Key Things to Know:
A cell phone or portable electronic device conviction is 5 points. New York DMV says points remain on the driving record as long as the conviction remains on the record and may be used by insurance companies to increase premiums. The impact can be greater if the driver has other violations or a prior accident history.
Drivers concerned about insurance should not treat a cell phone ticket as a simple fine. The record impact can matter.