How much can traffic tickets increase your insurance rates?
Receiving a speeding ticket or citation for reckless driving in Florida can have steep financial consequences including fines and the potential for much higher insurance rates.
November 02, 2013 /24-7PressRelease/ -- How much can traffic tickets increase your insurance rates?
Article provided by Jaime J. Garcia Attorney at Law
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By analyzing nearly half a million insurance quotes from 14 different providers over a two-year period, Insurance.com assessed the impact of several of the most common traffic violations on drivers' car insurance premiums.
According to the analysis, reckless driving is the single most costly traffic violation in terms of insurance rates, raising drivers' premiums by an average of 22 percent over those who had no violations on their records. Driving under the influence of alcohol was not far behind, increasing the cost of car insurance by an average of 19 percent for convicted drivers.
Speeding tickets, another common traffic woe, cost drivers an extra 11 to 15 percent on average, according to the study, depending on how far the driver exceeded the posted limit. Under Florida law, drivers who exceed the speed limit by a wide enough margin can be also charged with reckless driving, which can trigger steeper rate increases. Seatbelt violations, meanwhile, were found to be the least costly violations of those included in the analysis, raising rates by just 3 percent.
Florida speeding ticket law
Drivers who are ticketed for speeding in Florida have only a short window of opportunity in which to act if they wish to contest the citation. After receiving a ticket for speeding, Florida drivers have just 30 days to pay their fines or schedule a court date to defend against the charges.
Under Florida law, a speeding ticket can result in three points on a person's driver's license -- and the accumulation of 12 or more points during a 12-month period results in driver's license suspension. Depending on the situation, Florida drivers who go to court to defend against a speeding ticket may be able to avoid having points added to their driver's licenses, helping them to retain their driving privileges and prevent their insurance rates from increasing.
Reckless driving in Florida
In Florida, drivers can be ticketed for reckless driving as a result of several different driving behaviors, such as:
-Weaving between lanes or around other vehicles.
-Driving at excessive speeds.
-Causing an accident resulting in personal injury or damage to property.
-Other behaviors that demonstrate a willful disregard for safety.
Drivers convicted of reckless driving in Florida will receive four points on their driver's licenses -- one-third of the amount needed in a year to trigger a license suspension.
An attorney can help
If you have been charged with speeding, reckless driving or other traffic violations in Florida, you could be at risk of higher insurance rates and the potential loss of your driver's license. Depending on the circumstances, an experienced attorney may be able to help you avoid the negative consequences of traffic citations by defending against the charges on your behalf. For more information about how a lawyer may be able to help you retain your driver's license and keep your insurance rates as low as possible, contact a traffic ticket lawyer in your area.
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