Car insurance serves as a contract between the driver and their insurance company to protect against financial loss in the event of an accident, theft, or any other factor covered.
But what happens if you receive a ticket or other traffic violation? How much does a traffic violation hurt your insurance and why do insurance agencies increase costs after a violation?
Read on for some violations that can dramatically increase your car insurance payments and what you can do to avoid violations.
Violations
The type of traffic violation you receive will affect the amount your insurance rate will change. Most states use a point system to denote when a driver is convicted of a traffic violation, and it takes three years or more for the points to be removed. Insurers view these violations and base their rates on this information.
The Texas points system reads as:
- Moving violations = 2 points
- Moving violations that result in an accident = 3 points
- 6 or more points in a 3-year period = Surcharges
- 4 moving violations in a 12-month period OR 7 moving violations in a 24-month period = License suspension
Insurance
So what happens to your insurance when you receive a traffic violation?
Of course, everything depends on the individuals motor history report. Most insurance companies do not check at driving records every month but will do so when the individual’s contract is up for renewal.
As of 2019, regardless of the state you live in, insurance rates will increase 79% for a fist-offense DUI/DWI, 23% for texting and driving violations, 20% for speeding 15 miles+ over the limit, and 3% for seatbelt violations.
Be sure to speak with your insurance provider for specific information regarding your policy and traffic violation penalizations.
Payne Auto Group
Are you looking to get insurance? Payne Auto Group offers Payne Insurance! From home, auto, life and much more, you can be covered today!
