If you have ever wondered how your insurance company determines the annual premium that you must pay, then this article is for you. In many ways, your rates are directly tied to your driving record. It is as simple as that, yet it is much more complex than it sounds. The state of Pennsylvania is actually one of the strictest in the country when it comes to tying your driving record to your insurance rates. If you have too many violations on your record, then you can expect to pay higher premiums.How Does This Happen?
As mentioned, your insurance company cares about any violation that is on your record. It learns of these violations because of the point system that Pennsylvania has implemented in order to monitor your driving record. The more points that you end up with, the more likely it is that your insurance company will take notice and raise your rates. This is why you will want to be concerned with your driving record and have a Bucks county dui lawyer fight any tickets that you do end up getting.
It is important to keep in mind that points are only added to your record when you are found guilty of a traffic violation. It is when you end up with six points or more that the insurance companies actually begin to notice and start to take action. This is primarily because the Pennsylvania Department of Transportation will actually notify them that you have exceeded a certain number of points. Once they receive that notification, it is only a matter of time before you discover that your insurance premiums have been raised as a result.
If you are wondering how to get the number of points on your record reduced, it usually involves a Bucks county dui lawyer. You will want to contest any ticket that you receive. This does not guarantee that you get off free and clear. It depends on the nature of the offense and the evidence that is presented. However, your lawyer will fight on your behalf to keep the points to a minimum if at all possible. This will go a long way towards keeping the number of points on your record below that magic threshold.
Bucks County DUI Attorneys
Getting Insurance Coverage in Pennsylvania
You might be in the process of trying to find an insurance policy that comes with a lower premium. Keep in mind that all insurance companies have access to the same driving record. If you have too many points, it will be an uphill battle to find any insurance company that will lower your rates. It does depend on the number of points that you do have on your record and your age, but it will be quite difficult to find coverage without paying a higher price.
Pennsylvania also permits insurance companies to cancel your existing policy if you accumulate too many points. This becomes problematic because it is mandatory to have car insurance in order to drive in this state. That is obviously an issue if you cannot find an insurer to provide you with coverage. While you almost certainly will find such a company to cover you eventually, you can count on paying a much higher price as a result.
Why Is a Bucks county dui lawyer Important?
You might be wondering why you should hire a Bucks county dui lawyer for a simple traffic violation. You are either guilty or you’re not. Well, there are often mitigating circumstances that you might not be aware of. In some cases, a lawyer can get the violation tossed out of court due to a lack of evidence or for some other legal reason. However, this is not possible if you simply go ahead and pay the fine. Doing so will also result in a pre-determined number of points being added to your record.
As soon as you receive a traffic violation, contact our office. We will fight to keep your driving record as clean as it possibly can be. This will have a positive impact on your insurance rates.
You might not be aware of this, but you have had a driving record ever since you first got your driver’s license. In the state of Pennsylvania, it is important to keep your record as clean as possible. This is because of a variety of reasons. To begin, some employment opportunities will only become available to you if you have a clean driving record. Prospective employers will check this and that may very well determine whether or not you are offered the job. In addition, your insurance rates typically depend on that same driving record as well. The cleaner your driving record is, the lower your insurance rates will be.
On top of all of this, a driving record that is less than stellar can eventually result in the Pennsylvania Department of Transportation suspending or revoking your driving privileges. You obviously do not want this to happen. It is important to understand that every traffic violation you receive will result in points being added to your record. The more points that you have, the more negative consequences you are likely to encounter. This is why you will want to have a lawyer on your side to fight any traffic violation that you might receive along the way.
The Point System Explained
It is always advisable to try and drive within the rules of the road at all times. However, even the best of drivers are bound to make a mistake every once and a while. If you happen to make such a mistake in front of a police officer, then the chances are good that you will be issued a citation. If that violation is upheld, you will end up with points being added to your record in addition to a monetary fine. Of course, some violations, such as DUI, come with a possible prison sentence as well.
The number of points added to your record depends on the type of violation that you receive and its severity. Going between six and ten miles per hour over the speed limit, for example, will cost you three points. If you are going 25 miles per hour over the speed limit, you can expect that to increase to five points and face the possible suspension of your license. This is why it is so important to do what you can to keep your driving record clean.
What Happens If You Have Six or More Points On Your Record?
If you have two or three points on your record, you might think that it is no big deal. In fact, many drivers in Pennsylvania face the same prospect. The problem is that having even that number of points on your record places you one citation away from hitting the critical juncture of six points. When that happens, serious consequences will result.
To begin, your insurance company will be notified by the Pennsylvania Department of Transportation that you have six points. At that point, you can count on your rates going up. In addition, the state will require you to take another written driving exam. You must pass this within 30 days or your license will actually be suspended until you can do so. This can be quite problematic if you depend on being able to drive for your livelihood. Needless to say, this all speaks to the importance of keeping your driving record as clean as possible.
Consult With a Lawyer To Help Get Your Record Cleaned Up
In order to maintain a clean driving record, you will want to fight any traffic violation that you receive. This is often difficult to do on your own. You will want to have a lawyer working on your behalf to do everything they can within the law to get the number of points reduced or forgiven altogether. This will keep your insurance rates as low as possible, your license firmly in your pocket, and your employment prospects open.