How California Insurance Rates Change with Traffic Violations

California traffic violations work on the point system. Every time you get a ticket, points are assessed and added to your driving record. Your insurer gets notification of these changes to your record and your premiums reflect your status as a driver.

California Insurance Rates & Traffic Violations

Traffic ticket points are a system used to assess the severity of a particular traffic violation. The use of a point system for irrational or dangerous drivers is necessary to protect the safety of all. Each state has laws which govern the behavior of drivers of motor vehicles. Citations are issued for specific infractions when a person does not abide the law of the state. Once a person admits to or is found guilty of a particular driving infraction, points are recorded on that person's driving record. Driving records are monitored by the Department Of Motor Vehicles of each state. There is also a national registry to keep track of individuals who have lost their license or present a danger in some other way.

Accumulation of excessive points on your driving record can result in license suspension. The points assigned to a particular offense are in proportion with the severity of the offense. While it is determined on a state basis, the systems are similar between states.

California drivers who have received a recent infraction may be entitled to go to traffic school to remove the imposition of a point on their driving record. Traffic school can be done in person or on-line in California. It is a one day class generally and requires that you be able to answer test questions at the end to prove that you have been educated about driver safety and driving laws within the state. This can save your driving record and help keep your insurance rates down at the same time. Most individuals who attend traffic school must pay a fee and a fine may also be imposed for your ticket, but at least you can avoid the points on your driving record.

Getting Legal Help

Hiring an experienced California traffic ticket attorney can make the difference between getting traffic ticket points on your license and keeping your record clear. An attorney can help you assess your case from a legal standpoint and advise you of options you may not have considered. An attorney will bring a wealth of knowledge about the legal system and your case.