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I never understood how that was even legal in the US... It's not in most other countries I've driven in...
The cops are state employees, your record is on their computers. The insurance company should not have access to your driving violations record... Accidents, I understand, as they'd need to estimate the risk, but speeding tickets, that's a violation of your privacy... Do you think the local gov't sells that record to ins. companies ? I don't buy the correlation either - I get a ticket every 2 or 3 years but have not had an accident, ever...
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