Leading Traffic Lawyers In Virginia Explains How Tickets Affect Auto Insurance Rates

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By Joyce Bennett


The majorities of drivers will not bother to fight tickets mainly because they do not see them as a big deal. While this may be the case, each traffic violation you are accused of can earn you points that can later cause an increase in your car insurance rates. There are various factors that insurers consider when setting auto coverage premiums for their clients, though none of these factors are as significant as your driving record. It is hence best to seek the counsel of competent traffic lawyers in Virginia the instant you are accused of a driving violation.

It is without debate easier to just pay a ticket and move on with your life. In any case, paying ticket fines will not leave you battling with a hefty financial burden. On the other hand, fighting is time consuming and hiring a good lawyer will cost you. The good thing however is that your attorney can ensure that you do not end up with unnecessary points that can cost you even more in auto insurance policy rates.

The risk you pose has to be taken into consideration. If your driving records make it clear that you hardly ever respect traffic laws, then you will be seen to be a high risk client. Your insurer has to mitigate losses by increasing your coverage costs because of the risk of having to settle expensive claims once you get into an accident.

Traffic offenses are created equal, even in the eyes of auto insurance companies. There are infractions that can impact your premium rates while others will not affect anything. For instance, you should not expect your premiums to rise because of a fix-it or parking ticket. On the other hand, you are bound to suffer from increased cost of coverage if you are found guilty of infractions like driving with an invalid license, DWI, speeding, improper passing and distracted driving just to mention a few.

There are situations where it simply makes more sense to seek the expertise of an experienced traffic lawyer. The specialist can look into the circumstances revolving around your case and inform you about the best way forward. Irrespective of how challenging your situation may seem, all is not lost if you have a proficient attorney in your corner.

The good news is that most tickets do not stay on ones driving record permanently. In most cases, insurers will do their calculations based on tickets earned over the last few years. The instant a ticket is removed from your driving record, then it cannot be considered when setting your auto insurance rates.

With the help of an attorney, there are certain defenses that can be used to get rid of a ticket. First, your case will be dropped if the officer who handed over the ticket does not attend court hearings. You should expect the same if your attorney can convince the courts that your conduct was actually vital.

Another outstanding defense that attorney can effectively use is finding errors with the ticket. You cannot be held responsible for a violation if the name on the ticket is not yours. This is irrespective of whether this was a minor misspelling. Your case is in addition likely to be dismissed if a ticket was founded on a radar gun.




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