How Tickets Affect Your Record and Insurance

How Tickets Affect Your Record and Insurance

Receiving a ticket and not taking care of it properly can be costly in more ways than one. Not only are there monetary prices, there can also be points added to your driving record, which can in turn affect your insurance coverage and rates. Tickets may stay on your record for a few months, up to several years.  

What do points on your license mean? 

The point system was implemented to encourage safe and lawful driving habits. When you are caught driving unlawfully or with poor driving habits, there may be points placed on your record. After you accumulate so many points, your license could even be revoked. These points are used to punish drivers who commit small infractions and encourage drivers to drive according to the law.  

How do these points affect your insurance? 

Acquiring any amount of points on your record will affect your insurance. They base your monthly rate off the type of vehicle you drive, but also by your driving record. If you have points on our record, you will be paying more monthly. If you previously have insurance, your rate will skyrocket. If you have these points and are looking to find insurance, you will have a tough time finding an agency who will cover you, especially at a rate that will not break the bank.  

How should you properly take care of tickets? 

Taking care of tickets can be done by contacting an experienced attorney. They will be able to discuss with you your options. Depending on your charges, they can accompany you in court and possibly prevent the points being added to your record. No matter the charge, small infraction or major law violations, an attorney will be able to sit down and talk you through your options. They can explain the process to you and help you get the most beneficial outcome to prevent points or higher insurance, if possible.  

If you find yourself with a traffic ticket and need an experienced attorney to walk with you through this process, call Tad Morlan for assistance. (800)-246-8000.