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Rock Insurance
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142 Route 70
Medford, NJ 08055

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Are Drivers Covered by Auto Insurance if Speeding?

Auto insurance is designed to provide coverage in a variety of scenarios, and speeding while in an accident is a common scenario. Insurance isn’t a substitute for speeding, but it may cover you in many situations where you’re exceeding the posted speed limit.

Here’s how auto policies typically handle speeding accidents:

Basic Coverage with Limitations

Typically, your auto insurance will cover you even if you were speeding at the time of an accident. This includes liability coverage, which is mandatory throughout the Tri-State area.

Liability insurance normally covers damage and injuries to others if you’re at fault in an accident. While this protection would likely remain in effect, it’s important to note that speeding can affect your claims process and how a policy pays.

Potential for Increased Premiums

While your auto insurance may cover an accident that occurs while you’re speeding, this doesn’t mean there aren’t consequences. Speeding violations can lead to points on your license, which can increase future auto insurance premiums. You’ll also likely see premiums jump if you’re at fault because of the accident — and speeding increases the likelihood that you’ll be found at fault.

We at Rock Insurance Services can help drivers in Medford, NJ compare policy options if they’ve seen rates jump. Even with comparing policies, though, you’ll likely see rates increase if you were speeding.

Possible Denial of Claims in Extreme Cases

In extreme cases, such as reckless driving or excessive speeding, an insurance company may deny a claim. Drivers usually must be going well over the speed limit for these to apply, but they could leave you with no coverage if you’re found guilty. Reckless driving is often a criminal charge in the Tri-State area.

Rock Insurance Services Is Happy To Help

If you need help understanding your auto insurance policy, contact us at Rock Insurance Services. We’ve worked with many Medford, NJ drivers, and we’re here for you too.