In New York, receiving a traffic ticket may seem like a small annoyance, but the repercussions may last longer than you anticipate. A minor speeding ticket can have a negative impact on your driving history, raise your insurance costs, and occasionally result in license suspension.
Table of Contents
Points on Your License
In New York, traffic violations are assigned point values. For example, going 11-20 mph over the speed limit adds 4 points to your license. Accumulating 11 or more points within 18 months can lead to a suspended license. These points stay on your record and are used by both the DMV and your insurance provider to assess your risk as a driver.
Insurance Rate Increases
The possible increase in your auto insurance rate is one of the most direct effects of a traffic ticket. When you apply for new coverage or renew your policy, insurance companies look over your driving history. Rates can go up after only one moving infraction, particularly for more significant ones like texting and driving or reckless driving. Depending on your insurer, the increase may continue for three years or longer.
Driver Responsibility Assessment
In addition to fines and points, drivers in New York must pay a Driver Behavior Assessment fee if they accrue six or more points in a single 18-month period. A single ticket becomes considerably more expensive over time since this fee, which is distinct from the ticket fine, must be paid yearly for three years.
Should You Fight Your Ticket?
In many cases, it’s worth contesting a ticket, especially if avoiding points or insurance hikes is a priority. Traffic attorneys can often negotiate reduced charges or even get a ticket dismissed, depending on the circumstances.
Bottom Line
Yes, a traffic ticket in New York can impact your insurance and driving record. From increased premiums to possible license suspension, the consequences are real. Before you plead guilty and pay the fine, consider your options—you may be able to minimize the damage with the right legal help.
This post was written by a professional at Burger Law. Burger Law delivers reliable legal representation to individuals and businesses throughout Poughkeepsie, NY, and the greater Hudson Valley. Led by Anthony P. Burger, our firm offers personalized, results-oriented counsel in areas such as Traffic Lawyer Poughkeepsie NY, DWI Defense and Corporate Law. Whether you’re navigating a legal challenge, purchasing real estate, or starting a business, we provide honest advice and strong advocacy every step of the way. At Burger Law, we value integrity, clear communication, and achieving the best possible outcome for every client. Contact us today to get the legal support you need.
