What is a Moving Traffic Violation?

Most of us do our best to obey traffic laws. Not only is it the safe thing to do, but it helps to avoid tickets and potential hikes in insurance. For every traffic violation, drivers receive points that increase the cost of their automobile insurance. Depending on the incident, a certain number of points are awarded, and the more points one has, the higher their rates will climb.

A moving violation is generally worth two points, while an accident can be anywhere from three to five points. However, more serious moving violations (such as a DUI) will result in a heavier hit to your insurance.

While accidents can be difficult to prevent, moving violations are much easier to avoid. A moving violation is defined as a violation of the law made while a vehicle is in motion. So, for example, a parking ticket is not a moving violation, and therefore will be less likely to affect your insurance rates. A moving violation differentiates itself from other vehicle violations such as registration expiration, failed inspection, parking violations, and equipment violations.

Some examples of moving violations include: speeding, running a red light, failing to stop at a stop sign, illegally driving in the carpool lane, texting while driving, failure to use turn signals, drunk driving, drag racing, and more. In most instances, these violations can be avoided with just a little extra care and thorough knowledge of the law.

If you do get a ticket for a moving violation, then you can contest the ticket in court. Paying the fine is an admission of guilt, and therefore will add points to your driving record. But if you can get your ticket thrown out in court, then it won’t affect your rates.

Fortunately, there are other ways to get rid of violations on your driving record if you can’t contest them. Some insurance companies will waive violations if you take a safe driving course. Depending on your insurance company, your violation may be removed from your record after a certain number of years with a clean driving record (typically three.) The best way to ensure that you get the lowest rate possible is to ensure that you participate in safe, cautious driving. Contact your insurance company to learn about how your driving history is affecting your auto insurance rates.

If you are looking for the best, affordable insurance, contact H&K Insurance Agency, Inc. in Watertown, MA. We would be happy to help you find the best insurance rates for your specific needs.