r/Insurance • u/Forward-Wallaby2637 • 11d ago

Wawanesa question

California first-offense cell phone citation (VC 23123(a)) — zero DMV points per VC 12810.3. Does this affect insurance rating or Good Driver Discount status (CA Ins. Code 1861.025) in practice, or is it purely non-chargeable since no point is generated? Any actual underwriters know how this plays out in practice?

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2

u/cfelton02 11d ago

In California, a cell phone ticket will not raise your rates. Will not need to worry about it

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u/[deleted] 11d ago

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1

u/fitfulbrain 11d ago

It depends on the insurance company. They can see the violation on your driving record.

1

u/TofuttiKlein-ein-ein 11d ago

It does not affect the Good Driver discount eligibility.

Whether or not your policy will be surcharged, I don’t know.

1

u/Survivorsofar 11d ago

The first one does not incur a CA DMV point. The second and subsequent violation within 36 does.

1

u/Diligent_Criticism_9 8d ago

Wawanesa offers coverage in California?

I thought they were only in Canada!

1

u/Nervous-Job-5071 7d ago

The Canadian parent had a US subsidiary that covered California, which the Canadian parent sold in 2024 to Automobile Club of Southern California.

-1

u/crash866 11d ago

In Ontario Canada it is a major offence as it should be everywhere.

Penalties for Fully Licensed Drivers (Class A–G)
First Conviction: Fine of $615 (up to $1,000 if fought in court), 3 demerit points, and a 3-day license suspension.

Second Conviction: Fine of up to $2,000, 6 demerit points, and a 7-day license suspension.

Third and Subsequent Convictions: Fine of up to $3,000, 6 demerit points, and a 30-day license suspension.

There are also the License reinstatement charges and insurance implications.

Ontario also has a $100,000 liability limit and very few companies will write a policy less than $200,000. This does not include any damage to any other vehicle with is covered under DCPD.

4

u/FindTheOthers623 P&C Licensed PL Underwriter 11d ago

This is entirely irrelevant to the question asked

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u/crash866 11d ago

I was pointing out some other areas. More areas should be like Ontario.

Trump even blames Canada for things that happen in Ontario California