Avoid the increase in car insurance premiums after immigrating to the United States and getting air tickets.

America is a country on wheels. There are many cars and good roads, and if you are not careful, you will overspeed. Therefore, many people have the experience of getting tickets, and tickets are closely related to auto insurance premiums. If the ticket is not handled well, the insurance premium will continue to rise, ranging from three to ten years. Then, is there any way to avoid the increase in auto insurance premiums after getting tickets?

Generally speaking, if you drive in violation of mobile regulations, such as speeding, not stopping at the designated place or driving too slowly, you will get a traffic ticket.

Traffic violation:

Under normal circumstances, one point will be deducted for driving violation, which will lead to an increase in auto insurance premiums.

However, if there are serious traffic violations, speeding above 100 mph, and driving in a snake, two points will be deducted, and the premium will increase even more.

In addition, California drunk driving, although also deducted two points, but the violation record will be maintained for ten years, while the general violation record will only be maintained for three years. After three years, the premium will be reduced and the record will be erased. But drunk driving is ten years.

If you forget to turn on the light while driving, although you will receive a ticket, the police will give the driver a chance to go to the police station immediately and explain that the light has been repaired, so that you will not be fined and will not enter the insurance record.

Influence of traffic violation on insurance premium:

Due to different insurance companies, some insurance companies can bear heavier fines, and the increase rate is relatively low. Some insurance companies are cheap at first, but if they have tickets, the premium will go up by 20% or more.

In general, the first ticket in three years will lead to an annual premium increase of 5%? 20%。

If you get a ticket again or have a minor car accident within three years, the premium increase will be relatively large, which may be three or four times that of the first time.

In addition, it should be noted that the premium increase will continue to rise for three years. After the three-year record is eliminated, the driver doesn't have to do anything, and the insurance company will automatically reduce the premium.

What should I do if I get a ticket?

First of all, you must deal with it after you get the ticket;

Then if you admit the penalty, you must pay the fine within the specified time and go to the traffic school to eliminate the points. In this way, the premium will not rise for three consecutive years;

Third, if you refuse to accept the punishment, you can reply in writing or bring a lawsuit in court for reasonable reasons, and handle the ticket according to the result of the reply.

note:

If/kloc-gets two tickets within 0/8 months, even if he goes to traffic school, he can't cancel the points of the second ticket.

In short, after getting a traffic ticket, you must not ignore it. When dealing with the ticket, if you are convinced of the police's punishment, then pay the money within a fixed time, attend classes at the traffic school, and deduct the points, so that your car premium will not go up. If you are not satisfied with the police's punishment, you can reply in writing or go to the traffic court, or even reply in writing first, and then go to the traffic court after losing. If either party wins the defense, the ticket will be cancelled and your premium will not be affected. If you lose the defense, you can only pay a fine, and then go to the driving school to cancel the deduction to avoid increasing the auto insurance premium.