(FL accident) Earlier this month I was involved in an accident. The insurance paid for the damages to the car I rear ended but didn't pay my damages as I didn't have comp. I received a citation for careless driving. I am 21 and currently have 2 points and will incur 3 resulting in five on my driving record.
I really screwed up seeing as I had been paying $65 a month for insurance so far. :-/
My concern was that If I fight the careless driving ticket, It will cost me $300 but leave me with 4 elections for driving school or take the class save $150-180 but reduce my traffic school elections to 3 and leave me with none this year.
In the end, out of taking school and paying or fighting and paying more, will either option result in my insurance rates not going up so much?
2007-09-04 02:04:11 · 4 answers · asked by Ryan C 1 in Cars & Transportation ➔ Insurance & Registration
Just for non-FL people a Traffic school election just means taking one of your allowed 5 times you can take it and only once per year. I took one 5 years ago and have four left in my lifetime. Thats the law on traffic school in FL.
I've heard that since my insurance paid out on damages my insurance will go up no matter what. Even without the points. Thats why I was wondering.
2007-09-04 03:38:55 · update #1
TAKE THE CLASS AND GET IT OVER WITH AND BEHIND YOU.
2007-09-06 07:02:11 · answer #1 · answered by Anonymous · 5⤊ 0⤋
I live in New Jersey and we have the highest rates in the country. Usually the fine is trivial compared to the rise in your insurance. A three point ticket can mean $400 to $600 extra a year for 3 years. Lawyers here have a way of negotiating the ticket to some type of violation that is a higher fine and no points. The local municipality gets more money and don't really care about the points. You may end up with a costlier fine but save a lot in the long run on insurance. Talk to a lawyer, don't fight the ticket just negotiate it.
2007-09-04 10:18:25 · answer #2 · answered by bonzo696_99 2 · 0⤊ 0⤋
Not sure what a Traffic School Election is. You can only take a class to negate points, once a year. When you complete the course, the points are removed from your license (last I knew it was 2 points max per class) and your insurance is not permitted to raise your rates.
2007-09-04 09:54:39 · answer #3 · answered by sensible_man 7 · 0⤊ 0⤋
Take the class esp if it saves money. Be careful driving for the rest of the year. In some states taking the class results in no points being given but you have to check FL laws.
2007-09-04 09:13:34 · answer #4 · answered by Bob D 6 · 0⤊ 0⤋