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Being convicted of a traffic violation may not seem like a big deal, but it can actually have a considerable impact on your car insurance rates. According to Michael A. Newland Law Office, there are a variety of factors insurance companies use to set your premium. However, none influence their decision more than your driving record. Therefore, as one of the top traffic lawyers in Hamilton, OH, he has helped numerous clients contest citations they feel they didn’t deserve in an effort to avoid serious financial burden. Below, he explains what a ticket could mean for your coverage costs. 

Traffic Lawyer Shares What to Know About Tickets & Insurance Premiums

1. Why Citations Cause Rate Increases

Insurance companies calculate rates according to how much of a risk they perceive a driver to be. Those who fail to comply with traffic laws are more likely to cause an accident resulting in an expensive claim. Thus, providers will raise the premiums of higher risk drivers to mitigate their own losses. 

2. Types of Offenses That Impact Premiums 

traffic lawyerThere are numerous types of infractions you may receive a citation for, but they won’t all affect your insurance. For example, parking and fix-it tickets aren’t likely to cause any change in what you pay for coverage, but moving violations will. Some of the most common offenses that increase rates include driving under the influence, distracted driving, speeding, failure to observe a signal, improper passing, and driving without a valid license. Should you get a ticket for any of these violations, it’s a good idea to retain the services of a traffic lawyer. 

3. Length of Time Rates Will Be Affected

Fortunately, most tickets won’t stay on your driving record permanently. Generally, insurance companies will only base your premium off of infractions incurred in the last few years. Once a ticket is removed from your record, it will no longer be factored into your rate. 

If you have received a ticket you’re worried could drive up your car insurance rates, it’s best to hire a traffic lawyer who can help fight the charges. Michael A. Newland Law Office offers more than 20 years of experience protecting the rights of drivers. He will go over all of your legal options to determine a suitable defense to present in court. Contact his firm at (513) 887-9595 or visit him online to learn more. 

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