Traffic Violations, Auto Insurance, and Your Rates

 

Auto insurance is already prohibitively expensive. You don't need a traffic ticket to raise your insurance rates. That is why it is critical to drive cautiously, courteously, and within the posted speed limits. This way, a police officer will have no reason to pull you over and issue you a summons for irresponsible driving habits.

You may be wondering. There is a fine associated with the ticket. Why should your insurance company penalize you any further?

 

 

To be honest, your insurance company has no desire to punish you. They are only concerned with themselves. They consider your conviction for a moving violation to be a threat to their operations. Traffic violations show the insurance company that you are more likely to be involved in a car accident or collision than someone with a clean driving record. In insurance terms, a car accident means there will most likely be a claim that will cost them money. The insurance company weighs the risk of an auto accident claim against a higher premium or additional charge.

 

Of course, each company assesses its response to a poor driving record on an individual basis. In general, however, they have a team that looks at the general behavior you have displayed behind the wheel.

 

The severity of the traffic violation will also be considered by the insurance company when determining the amount of the rate increase.

So, if you are convicted of drunk driving, you will face an extremely strict reaction in terms of a rate increase. If you have only been ticketed for a broken headlight, the punishment will be light. And if you are caught speeding 15 miles over the speed limit, you will face a higher fine than if you were caught speeding only five miles over the limit.

People frequently inquire about parking tickets. In most cases, a motorist who receives a parking ticket only needs to worry about paying the ticket. The insurance company will not raise your rates if they see that you are responsible with your bill and that a parking summons is not a cause for concern in terms of your likelihood of being involved in a car accident.

 

The thought expands far beyond a car. If you have been convicted of a moving or speeding violation while driving a truck, van, motorcycle, or other type of vehicle, your insurance rates may increase.

Author: RabnawazToor