Law Office of Jack Kotchick

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The real impact of getting traffic tickets

It is a situation we all fear, at least on some level. You are driving to work, and a police officer pulls you over. He walks up to your vehicle. You roll down the window. He asks, “Do you know how fast you were driving?”

The best thing to do is to avoid this situation by following all traffic laws. That being said, we all make mistakes, and it is better to be prepared. Here’s a few things that you should know about traffic tickets – and how to fight them.


Tickets can cost more than just money

You may not be aware, but getting a speeding ticket can be pricey.

You may have to pay a fine, could possibly get points on your license and it could impact your insurance rates. If this is not your first traffic ticket, you could face even more penalties.

Some states have a points system. The points system is different in every state, but the concept is the same. If you accumulate a certain number of points within a certain amount of time, your license can be suspended.

For example, if you live in New York and you are caught speeding:

  • Up to 10 mph over the speed limit, you will get three points on your license.
  • 11 to 20 mph over the limit, you can get four points on your license.
  • 21 to 30 mph over the speed limit, you can get six points added to your license.
  • 31 to 40 mph over the speed limit can get you eight points added to your license.
  • More than 40 mph over the speed limit, you can get 11 points added to your license.

There are also points for offenses such as driving recklessly, failure to stop for a school bus, tailgating and much more.

Impact tickets can have on your car insurance

When it comes to car insurance rates, traffic tickets can affect those rates. The tickets are part of your driving record. When you get violations or tickets, they are added to your record and your car insurance rates can increase.

This is especially true if you have several tickets that are added to your driving record. This tells insurance companies that you are at high risk of having an accident. For car insurance companies, it is all about risk.

What you can do

You do not have to feel helpless about getting a traffic ticket. There are things you can do to help with the ticket:

  1. Try to contest the ticket: Don’t pay the fine! You can appear for your court date and challenge the ticket. It may help reduce the fines you will have to pay, reduce the number of points added to your license or result in the ticket being dismissed.
  2. Ask about possibly attending traffic school: This may be an option depending on the state you live in. Going to traffic school may reduce points already added to your license, help you avoid having to pay more for your insurance or help you get your traffic ticket dismissed altogether.

If you are ever faced with a traffic ticket, just be aware of what is involved with the process. It is good to keep in mind any possible penalties and hopefully keep you from putting your foot on that gas.

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Law Office of Jack Kotchick

95 Court St.
2nd Floor
Binghamton, NY 13901

Phone: 607-821-0551
Fax: 607-296-3408
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