Insurance and getting pulled over by a cop?

Question

I am using my grandmother's car for the summer. Our licenses in new York have different addresses on them. The insurance company is allstate, and since we have different addresses, I don't need to be under their insurance policy.

However, I am under the insurance policy for my mom's car and my dad's car. The insurance company is liberty mutual.

If I get pulled over (for a moving violation) in my grandmother's car, will the liberty mutual insurance go up? Besides points, any other affects that will happen?

Answer 1

Just dont drive like an a*****e and it wont go up

Answer 2

Yes, The liberty insurance MAY go up because it does not matter who's car you were stopped in but it matters that it is on your driving record