14 Nov will traffic ticket raise my insurance in New York City
will traffic ticket raise my insurance in New York City
Answering that question requires looking at your state’s laws, as well as how many points you’re likely to accrue with each offense. There are three primary ways that traffic tickets affect insurance rates. Each of these factors works differently depending on where you live. So let’s dive in to learn more about each scenario.
Traffic tickets are scary things. They can make you feel like you’re drowning in an insurmountable amount of red tape. However, it may not always be worth your time to fight your traffic ticket. If you have questions about whether or not hiring a traffic lawyer is right for you, just ask yourself these three questions: Do I have prior convictions? Was my license suspended as a result of my most recent offense? Was my vehicle impounded as a result of my most recent offense? If you answered yes to any of these questions, then it might be better to consult with an attorney first before deciding what to do. It could save you hundreds of dollars and heartache down the road if handled correctly.
New York City might have some of America’s strictest speed laws, but that doesn’t mean you can’t face stiff fines if you get caught breaking them. In fact, being slapped with one speeding ticket could raise your insurance premiums more than a dozen moving violations will over a year’s time. Even if it’s your first offense, expect to pay more for auto insurance after receiving a speeding citation in New York City. Here are several factors that influence how much your premiums will go up.
Does your traffic ticket mean you’ll get higher car insurance rates? It depends. Typically, traffic tickets don’t affect your insurance rate for three years after you’ve been convicted. This time period is called a look-back period. However, depending on where you live and what type of offense you’re convicted of, it’s possible that your speeding or other infraction will impact your insurance premium sooner than three years down the road.