r/Insurance • u/Forward-Wallaby2637 • 1d 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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