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Moving violations, points, and effect on insurance rates?
I got a speeding ticket a few weeks ago (I am licensed in and the ticket was in Indiana if it makes a difference). If I plead or am found guilty it would be a 4 point violation. Obviously the ideal result for me would be to contest the ticket and win. Unfortunately the research I've done so far on the judge and the deputy suggests that he will appear and I will be found guilty if I go to court. I have a few other options though. The prosecutors office has offered a deferral agreement. Basically I admit to the charge, pay the fine plus a program fee and as long as I don't get another ticket for 12 months I don't get any points and the violation won't go on my record. My other option is to just plead guilty or no contest and pay the fine and take the points. I can then voluntarily complete a driver safety course (traffic school) and the state will take 4 points off my license, which would get me back to 0. The cost of the course is a fraction of the deferral program fee. When it comes to my insurance, do they look at points, violations, or some combination of the two? As far as my rate with my current (or potentially future if I change) insurer is concerned is there a difference between no violation and having the violation but 0 points?
3 Answers
- Anonymous4 years ago
Do the deferral option. ("The prosecutors office has offered a deferral agreement. Basically I admit to the charge, pay the fine plus a program fee and as long as I don't get another ticket for 12 months I don't get any points and the violation won't go on my record")
The other option (" My other option is to just plead guilty or no contest and pay the fine and take the points. I can then voluntarily complete a driver safety course (traffic school) and the state will take 4 points off my license, which would get me back to 0.") will go on your record and your insurance rates could (will very likely) be affected.
- Obi Wan KnievelLv 74 years ago
Insurance companies look at convictions, not points. The points are only used by the licensing authority to decide when to suspend your driving privileges (if you collect enough of them), and serve no other purpose.
If a conviction shows up on your record, it counts against your insurance rating. The insurance company doesn't care how many points you got or how much you paid in fines, because those are negotiable. They only look at the conviction itself.
That's why you want the deferral option. As long as you don't rack up another conviction within 12 months, your record stays clean and nobody needs to know about the ticket you got. The driving course is cheaper because it only removes the points, not the conviction.
- lucyLv 74 years ago
I live in Indiana and both my (deceased husband) and my step son both got tickets.
Take the deferral. You pay the ticket, and as long as you do not get another ticket w/in 6 months, then it NEVERS appears on your driver record.
They may have changed it to 12 months vs the 6, since it was years ago. But, if no more tickets, will receive from the court that it is cleared.
The key is, you don't want it to show on your license. When you buy insurance, or if you renew, many companies look at your driver license record and you don't want this listed.
