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Traffic tickets can affect your insurance rates

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Many drivers do not realize the effect traffic tickets can have on their lives. Often, they are more complicated than just pleading guilty, paying a fine and being done with it. Aside from the risk of losing your driver’s license, your insurance rates could increase quite a bit.

The effect on your insurance is not immediate

The “good” news is that a ticket likely will not have an immediate effect on your insurance rates. Your auto insurance company probably does not check your driving record every month, but it almost certainly will when it comes time to renew your insurance policy.

If your driving record reveals traffic violation conviction, your insurance company may consider you a higher risk and charge you more. At that time, you could be in for a drastic change to your rates if you have a ticket or two.

Or perhaps not. For example, if you got only one speeding ticket and it is your sole traffic ticket ever, your rates may not go up by much, if at all. The bottom line is that, in many cases, traffic tickets are worth fighting. You may be able to get the charges reduced or thrown out.

Another way to minimize the blow

By taking a Point and Insurance Reduction Program class, you can see a 10 percent savings on your liability and collision premiums, and you can get four points subtracted from your driving record.

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James L. Riotto
Criminal Defense Lawyer

James L. Riotto is an accomplished criminal defense attorney serving clients in New York. With an extensive background in law enforcement and criminal prosecution, his approach to each case is unique and informed by years of experience with the New York criminal justice system. As a graduate from Albany Law School and before going on to start his own practice, James worked at the Albany County District Attorney's Office, where he helped prosecute many DWI offenses. His inside knowledge of the tactics used to gain convictions provides him with a particular advantage when defending against DUI and other criminal charges.

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Adam D. Staier
Of Counsel

About Attorney Adam Staier has spent the last seven years practicing criminal defense law throughout upstate New York and the Capital Region. He began his legal career through internships in civil law, indigent legal representation and federal energy law regulation. Finding a passion in criminal law, Mr. Staier held internships handling both prosecution and defense…

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William M. Swift
Associate Attorney

About William M. Swift is an associate attorney at the Law Office of James L. Riotto and brings 20 years of experience to our clients. His practice focuses on personal injury cases and criminal matters. He has successfully represented individuals in felony, misdemeanor cases. Additionally, he has extensive knowledge in DMV administrative proceedings involving suspensions…

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