Caused accident, got citation in a state not my own. How this affects insurance/points?

Question

I have a New Mexico Driver's License, but I was living with my dad in TX for the summer, and he got me insurance under him in Texas.

I did an unsafe lane change the other day, and caused a T-bone accident, where my car suffered and the other car (the SUV) really didn't. Yet, I only had liability on mine, so I can't fix my car. Insurance took over and took care of that person. On top of that, since it was my fault, I got a citation for an unsafe lane change from the police (who just randomly showed up on scene).

Now, when I went to pay that citation in court they said I couldn't take Defensive Driving course to get my driving record "clear" because I wasn't a Texas resident with a Texas License. So, instead of paying $100 + $25 for Defensive Driving and getting everything off my record, I have to pay $150 and I'm not sure if it'll be off my record or not.

Now, my question is, how does this affect my insurance? I know that because I caused an accident, my rates are going to go up, but are they going to contact New Mexico and get points added to my license? Cuz the court here in Texas said they don't report anything or add anything to my license/send anything to New Mexico as long as I pay the fine. They said that they'll just store it in Austin until someone asks for it. The lady also said that it's insurance that has all the records and stuff.

So...am I going to get points added to my license? The municipal court in Texas said they won't add any, but can insurance report that to New Mexico and then will they add the points? But I called New Mexico, and they said that they won't add points if I do everything in my power to remove the points in Texas. So should I take DEFENSIVE DRIVING COURSE here? Would that help my (and my dad's) insurance rates in the future? But what's the benefit of that, if Texas isn't going to report it to New Mexico anyway?

By the way, my insurance is State Farm, under my dad's in TX, and I'm 18 years old, and this is my "second" claim. Please help! I'm so confused as to what to do. I don't want to have to pay high insurance forever..

AND OH, when people/applications ask if i've ever been fined/arrested, if I pay the fine and not the defensive driving course, do I have to report this???? THANKS!!!!!!!!!!!!!!!!!!!!!!!!

Answer 1

Now, when I went to pay that citation in court they said I couldn't take Defensive Driving course to get my driving record "clear" because I wasn't a Texas resident with a Texas License.So should I take DEFENSIVE DRIVING COURSE here?

I really am not understanding this but heres my answer.IF Texas CAN take that citation off of your record for the course you take,absolutely go for it,BUT,you said it was your 2nd claim,are you refferring to the "same" incident,in N.M.?

?????

Answer 2

you will have to wait and see, some states still dont share information with other states. You might get lucky.

Next; your 18 and on his insurance, what insurance will you have later? Time to get your own.

Last, 2 accidents already, maybe you need to find out why. Do you need more practice.

Answer 3

Try to use google to find some related links or you could try to use answer engines like yahoo answer or answer.com to find some relevant questions.If you like some direct resource,here is a good one from my own experience.http://carinsurance.expertsupport.info/a...

Answer 4

Answers simple, take a defensive driving course or traffic school and do it ONLINE!  Check out http://www.TicketRelief.com.