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How does a traffic violation affect my insurance?

Earning a ticket for speeding or another form of reckless driving may not seem like anything more than a fine, but additional consequences do not come from a courtroom. In Virginia, a speeding ticket comes with fines of $200 plus a flat amount for every mile over the limit you were driving, but these are not the only costs you may experience. Insurance companies may also take action after a traffic violation.

What insurance companies may do

To an insurance company, a policyholder with a traffic violation on their record is at a higher risk of getting into an accident than other drivers. Because car accidents are an expense that comes out of the insurance company’s pocket, they need to cover the potential costs of insuring a driver they see as reckless.

As a result of getting a ticket for speeding or driving while under the influence of drugs or alcohol, an insurance company may react by increasing the driver’s insurance premiums. While the fine for the offense may only be a few hundred dollars, the consequences of higher insurance premiums can cost a driver far more in the long run.

How you can lower costs after a ticket

Instead of not fighting the ticket, paying the fine, and accepting higher insurance premiums, you have the right to fight your charges and defend yourself in court. With the help of an experienced attorney, you can get the defense you need to keep your record clear and your wallet full after your traffic violation charges.

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