Call 1-888-668-8946 | Contact Us
Insurance Implications
Speeding Tickets and Your Insurance Company Normally most insurance companies will not increase your insurance rates due to one conviction.
The problem is that most people didn’t plan on getting the first speeding ticket. So a second ticket will certainly not be expected. One speeding ticket will normally not increase your rates, but a second ticket will put you in jeopardy of a rate increase. If you pay a speeding ticket without fighting it, the conviction will be on your driving and insurance record for three (3) years.
Depending upon the insurance company a second or third traffic ticket can result in a dramatic insurance increase. If there is an accident or any other claim made expect rates to be increased dramatically.
If you have too many tickets, or claims the insurance company may refuse to renew your policy, or they can put you into Facility Rating. "Facility Rating" means high risk insurance rates of thousands of dollars per year, for at least three years, or until you have a clean record.
A couple of speeding tickets on your record could cost you thousands and thousands of dollars.
Many people look at the cost written on the speeding ticket and say why would I pay someone to fight for more than the cost of the ticket? Well the answer is because the insurance implications could cost you hundreds and hundreds of dollars more.
Insurance rates do not go up or down by twenty or thirty dollars per year, they increase by hundreds or thousands of dollars. Not just for one year but for up to six years.
Many times we see police officer give the driver a "break" by dropping the speeding ticket down to just a fine of fifty dollars or less, with no demerit points. Many drivers feel that they are getting a break from the officer and that their insurance will not be affected.
The truth is that insurance companies do not count or care about demerit points. Your insurance company counts "convictions". If you pay a speeding ticket, even one with a small fine on it, your insurance company will put a strike against your insurance rate.
If you get two or three tickets, no matter if they have demerit points or not your insurance rates will be affected. You must fight every speeding ticket to keep your driving record clean.
Is it worth paying for a qualified person to appear for you in court? Yes, when losing can cost you thousands of dollars it’s usually worth the price to have a qualified person who knows all the ins and outs of a speeding ticket to represent you.
When you have a qualified person appearing for you in court you get every opportunity of winning your ticket completely.
The former police officers and licenced paralegals from OTT Legal Services will be a person known to the prosecutor as someone that they cannot bluff or mislead in any way. The agent of Ontario Traffic Tickets will ensure if there is anyway of having the ticket dropped that they will find it.
To many people having someone represent you in court will save having to take time away from your work, further saving you money.
Who better to fight your speeding ticket than OTT Legal Services. We are the leaders in speeding ticket defense in Ontario. Call OTT Legal at 1-888-668-8946 to discuss your speeding ticket in confidence.
Use caution when phoning insurance companies for advice. Remember that insurance companies are not public companies there to help you, but private businesses out to make a profit. If they see a way of increasing your premiums they may take it.
Insurance companies do not audit or check the driving record of all of their customers every year. If they are contacted about a particular policy they can flag that policy and do an audit on the policy and drivers record upon renewal.
Phone your insurance company for advice with caution. Anyone needing to ask advice should phone the qualified agents of OTT Legal Services for a free consultation anytime before speaking to their insurance company.
Why Risk Losing? Call For A Free Consultation 1-888-668-8946 or Email Your Request