In the US (New York City, at least), when a traffic camera snaps a shot of your license plate, the owner of the car is fined, regardless of who was driving it. They don't treat it as a "moving violation," because they don't know who was driving the car, so the owner's insurance does not go up. The only exception that I know of is when the car's owner reports their car as being stolen and then is not held liable for running the red light.