Will auto violations affect my insurance?

Insurance companies typically permit 1 minor violation every 3-5 years. Examples of minor violations include disobeying a traffic light, making an illegal U-Turn, not wearing a seat belt, driving with illegal tint or a carpool lane violation. Consequently, this type of violation will land on the desk of your insurance company within 60 days or so.

With minor violations (1-point violations) you may be eligible for traffic school and could prevent a rate increase on your insurance policy. If law enforcement deems your violation ‘ineligible for traffic school,’ 1 point will stay on your record for a minimum of three years.

Major violations are much more severe. Examples of major violations would be reckless driving, driving with a suspended license, and driving under the influence. With these types of violations, 2 points go on your driving record. Such violations make you ineligible for traffic school.

Major violations stay on your record for close to a decade. It is never ideal to pay a fine, appear in court and have your license suspended for any period of time.

In conclusion…

It doesn’t matter if you’re honest about accidents and violations when purchasing insurance. Insurance companies uncover the history of you and your vehicle based on your license and VIN. Buckle your seat-belt, resist your need for speed, and abide by the laws of the road. You’d be amazed at how much of an impact 1 moving violation can have on your auto premium.

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