Speeding Tickets - Insurance Implications
Normally most insurance companies will not increase your insurance rates due to one speeding ticket for a minor speed.
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 any 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 police officers 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 and your insurance low.
OTT Legal Services has successfully won thousands of speeding tickets, and we are the best company to win your speeding ticket. Call us at 1-888-668-8946 to discuss your speeding ticket in confidence with our former police officers and licensed paralegals