Will my insurance be affected if I recieved a speeding ticket and sent to disposition court?

Answer 1

Your insurance will take a rate increase if your insurance company does an MVR on you. It costs companies alot of money to pull mvrs though (like 6 bucks a person each time) so generally the company only does it once a year or when you first get it going.

Answer 2

Your insurance is generally affected if there is a total of more than 4 points on your driving record.

A speeding ticket of 15 miles per hour above the posted speed limit in the location where you were ticketed will result in 4 points being assessed to your driving record. If you were going faster than that then the points will be higher.

Points do not appear on your driving record until the ticket is resolved. So if you have not pleaded guilty or signed the ticket and sent the payment in as yet then your record has not been affected as yet.

So if you have zero points currently and you go to court and get the speeding ticket reduced to 2 or zero points your driving record will reflect that and your insurance will not be affected.

Generally, when you go to court the first time the officer does not show up and it gets postponed to another date. At the second date, the DA will speak to you and ask you to plead down. If the proposal by the DA is good (i.e. 2 points or no points. take it) If you can get it postponed to a third time do it. Because at the third court date, if the officer does not show up you are off scott free. If he does show up, the DA will bargain with you again. This time you should take whatever they offer.

Answer 3

This depends on: where you live, who you are insured with, how much over the limit you were doing and your current driving record. Most insurers do not care about how many points are on your record as it is possible in some jurisdictions for a judge to convict you of a charge and not receive any points. Insurers are more interested on the number of convictions and the type. So if you have no other convictions, and you weren't doing an insane amount over the limit (i.e. 80 in a 30 zone), then it will depend on who you are insured with. Some may surcharge you a set percentage for one minor conviction or for two minor convictions. However when you start getting to three or more minor convictions, or one or more major (driving without proof of insurance in many jurisdictions, speeding a substantial amount over the limit, etc.) or serious convictions (i.e. careless driving), then there is the possibility that the surcharge will be heavy, or in some cases the insurer will not renew you altogether. This is assuming that you have had no at-fault accidents, or else the picture becomes even more complicated.