If you have had traffic tickets in the last few years, you probably noticed several consequences. Your insurance premiums may have risen, and your state may have given you "points" against your license. If you are dealing with these unpleasant consequences, you may have to take action to stay on the road.
State Points
All but nine states use some sort of point system. For most traffic violations, the state will assign points according to the severity of the offense. For instance, in California less serious violations such as car safety issues and some lesser moving violations will earn you one point. Two points will be assessed for a DUI, reckless driving, and driving without a valid license. You could lose your license if you earn four points in a twelve-month period, six points in a 24-month period, and eight points in a 36-month period. Some of these points may "drop off" your license after a period of time, but others may remain.
Insurance Companies
Insurance company points differ from state insurance points. In fact, the insurance point system varies from company to company. However, if you have traffic violations on your record, you will likely see your premiums rise when your insurance comes up for renewal. Since DUIs are a crime, you are required to report them to your insurance company, otherwise you will have committed fraud.
Defensive Driving Classes
In some instances, you can remove both state points and insurance points by taking a defensive driving course. In addition to helping you with the point issues, you will actually learn how to avoid accidents by practicing evasive techniques. You will also learn strategies for driving in inclement weather and dealing with unsafe drivers. Some of these courses can be taken online as well in the classroom. They often serve as a good driver's education refresher course and are aimed at all drivers and not just those who have acquired traffic violations.
If you have too many traffic violations, you could have your license suspended for a period of time. Also, your insurance rates may skyrocket. By taking a defensive driving course, you can improve as a driver and reduce the points against your license. Your insurance company may also reduce your premiums. When you take such a course like Dollar Driving School, everyone wins. You will be a safer driver, meaning everyone on the road with you will be safer. You will also get to stay on the road.
