What Tickets Don’t Affect Insurance? A Guide for Drivers

What Tickets Don’t Affect Insurance?

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Traffic tickets can have different impacts on your insurance premium, depending on the type and severity of the violation. Learn what tickets don’t affect insurance, and how to deal with the ones that do/PHOTO: Files

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

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:

  • speeding
  • 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.

They include:

  • DUI
  • reckless driving
  • hit and run
  • racing

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.

Conclusion

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.

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