Traffic tickets are a drag for a number of reasons, as not only are they an immediate drain on one's wallet, but they can also have a long-term effect on one's finances through increases to insurance rates. An Insurance.com analysis of rates found that even one moving violation could cause one's insurance costs to increase greatly. Further, just three such violations can increase rates by 50 percent. The website analyzed the insurance costs for drivers who bought a one-car, one-driver policy and found that the average annual premium for those with no moving violations - which can include red light camera tickets - was $1,119. After just one ticket, that number shot up 18 percent to $1,318; after two it increased 34 percent to $1,497; and three moving violations on the record of the sampled drivers resulted in a 53 percent increase to annual premiums, meaning these motorists had to pay $1,713 each year. Insurance.com found that not only do violations for speeding and driving under the influence affect insurance rates, but citations for actions such as running a red light can cause premiums to soar. Due to this fact, it is important that red light camera tickets and other violations are fought, to not only protect one's money in the short-term, but in the long-term as well. In a recent editorial, The Washington Times called out a survey by the Insurance Institute for Highway Safety (IIHS) that showed drivers supported red light cameras, despite the fact that no ballot measure supporting the cameras has ever been approved by voters. The periodical pointed out that the IIHS is funded by insurance companies that have a vested interest in tickets being issued so they can increase drivers' rates. In addition, red light camera tickets can cause one to get points on his or her license in a number of states including California. While one should always be sure to follow all traffic regulations, there are instances where citations are issued - either by law enforcement officers or red light ticket cameras - erroneously. Those who have had to deal with such a situation may want to fight a traffic ticket and California allows trial by written declaration, meaning one does not even need to be in court to contest a citation.
Posted in Red Light
Jul 13th, 2011