What Tickets Don’t Affect Insurance?
If you’ve ever received a traffic ticket, you may have wondered how it will affect your car insurance rate.
The truth is, not all tickets are created equal, and some may have little or no impact on your premium.
However, that doesn’t mean you should ignore them or take them lightly, as they may still have other consequences.
Read on to find out what tickets do or don’t affect insurance.
Also, get to know how you can avoid them or minimize their effects.
Non-moving violations are traffic offences that do not involve the movement of your vehicle, such as:
- parking tickets
- expired registration
- broken headlights
- seat belt violations
These tickets typically do not affect your insurance rate, as they do not indicate that you are a risky or irresponsible driver.
However, they may still cost you money in fines, and if you fail to pay them or fix the problem, you may face additional penalties, such as:
- license suspension
- vehicle impoundment
- higher renewal fees
Red-Light Camera and Speed Camera Tickets
These are issued when your vehicle is caught running a red light or speeding by an automated device.
They also do not affect your insurance rate, as they are not linked to your driving record.
This is because the camera can only capture the license plate of your vehicle, not the identity of the driver.
Therefore, the ticket is sent to the registered owner of the vehicle, who is responsible for paying the fine.
However, these tickets are not harmless, as they can be very expensive, and if you ignore them, you may face legal action or collection agencies.
Minor Moving Violations
These are traffic offences that involve the movement of your vehicle, such as:
- running a stop sign
- making an illegal turn
- following too closely
These tickets may or may not affect your insurance rate, depending on:
- the severity of the offence
- the frequency of the violations
- the policy of your insurance company
Some insurers may forgive your first minor ticket, or offer you a discount if you take a defensive driving course.
Others may increase your rate slightly, or only after a certain number of tickets.
However, you should not take these tickets lightly, as they may still add points to your driving record, which can lead to:
- license suspension
- higher fines
- difficulty finding insurance in the future
Major Moving Violations
These are traffic offences that involve the movement of your vehicle and pose a danger to yourself or others.
- reckless driving
- hit and run
These tickets will affect your insurance rate and in a big way.
They indicate that you are a high-risk driver, and your insurer may:
- raise your rate significantly
- cancel your policy
- refuse to renew it
Moreover, these tickets may result in criminal charges, jail time, license revocation, or lawsuits.
Traffic tickets can have different effects on your insurance rate, depending on the type and severity of the violation.
Non-moving violations and camera tickets do not affect your rate, but they may still cost you money and hassle.
Minor moving violations may or may not affect your rate, depending on your insurer and your driving history.
Major moving violations will affect your rate, and may also have serious legal consequences.
Therefore, you should always obey the traffic laws, drive safely, and avoid getting tickets.
If you do get a ticket, you should pay it promptly, and consider taking a defensive driving course or shopping around for a better insurance rate.
- Is Orthodontics Covered By Insurance A Need To Know Guide
- How Much Are Cavity Fillings Without Insurance: Outline, Costs, Lifespan & Care
- Do You Need GAP Insurance On A Used Car: Decoding GAP Insurance
- How Long Does An Insurance Company Have To Subrogate; All You Need To Know Guide
- How Much Does Physical Therapy Cost Without Insurance: Overview, Types, Cost & Choosing Therapists
Diana: An accomplished insurance expert
Diana is an accomplished insurance professional, holding a Bachelor of Science in Business Administration (Risk Management and Insurance) from the University of Central Missouri.
With a solid educational foundation, she has seamlessly blended her academic prowess with practical industry knowledge.
Diana’s specialization is in the following areas:
- Risk Management
- Insurance Policies Decoded
- Industry Trends and Insights
- Practical Tips for Policyholders
- Thoughtful Analysis of Insurance Markets
With over 5 years in the insurance sector, Diana’s professional journey has been a dynamic exploration of various domains.
Her roles have equipped her with a holistic understanding of the industry, from underwriting intricacies to claims processing efficiency.
Diana is committed to demystifying insurance for her readers.
Her articles serve as practical guides, empowering individuals and businesses to make informed decisions.
Join Diana on Medium