How a Traffic Offense Affects Insurance, Your License & More

Cop Out of Car

When it comes to traffic crimes, the consequences can be far-reaching and long-lasting. Not only can these offenses result in fines, license suspension, and even jail time, but they can also have a significant impact on your insurance rates and future driving opportunities. In this blog post, we will explore how traffic crimes can affect you, and provide some tips on how to minimize these consequences.

The Impact of Traffic Crimes on Insurance Rates

Insurance companies base their rates on the risk associated with each driver. If you have a history of traffic crimes, you are considered a higher risk and will likely face higher insurance premiums.

Some of the factors that can affect your insurance rates include:

  • Severity of the offense: More serious traffic crimes, such as DUI¬†or hit and run, will have a greater impact on your insurance rates than minor offenses like speeding.
  • Number of offenses: Multiple traffic crimes on your record will result in higher insurance rates than a single offense.
  • Time since the offense: The more recent the traffic crime, the more it will affect your insurance rates. Over time, the impact of the offense on your rates may decrease.

It's important to note that each insurance company has its own policies and procedures when it comes to traffic crimes and rate increases. Some companies may be more lenient than others, so it's essential to shop around for the best rates if you have a traffic crime on your record.

Future Driving Opportunities & Traffic Crimes

Having a traffic crime on your record can also affect your future driving opportunities. Depending on the severity of the offense, you may face:

  • License suspension or revocation: Serious traffic crimes, such as DUI, can result in the temporary or permanent loss of your driving privileges.
  • Difficulty obtaining a commercial driver's license (CDL): If you're interested in a career as a truck driver or other professional driver, a traffic crime on your record may make it more difficult to obtain a CDL.
  • Employment challenges: Some employers may be hesitant to hire someone with a history of traffic crimes, especially if the job involves driving.

Minimizing the Consequences of Traffic Crimes

While it's always best to avoid traffic crimes altogether, if you do find yourself facing charges, there are steps you can take to minimize the impact on your insurance rates and future driving opportunities:

  • Seek legal representation: Working with an experienced criminal defense attorney can help you navigate the legal process, potentially resulting in reduced charges or even a dismissal of the case.
  • Complete traffic school: In some cases, completing a traffic school course can help reduce the impact of a traffic crime on your insurance rates and driving record.
  • Maintain a clean driving record: The more time that passes without any additional traffic crimes, the less impact the offense will have on your insurance rates and driving opportunities.

At Cole & Martin Attorneys at Law, LLC, we understand the significant consequences that traffic crimes can have on your life. Our experienced criminal defense attorneys are committed to helping you navigate the legal process and minimize the impact of these offenses on your insurance rates and future driving opportunities. Contact us today for a free consultation to discuss your case and learn more about how we can help you.