Insurance Rates

When it comes to a driver’s traffic violations being translated into higher car insurance rates, Pennsylvania is considered one of the nation’s strictest states.

In Pennsylvania, your driving record has a direct impact on the cost of your car insurance premiums. The Pennsylvania Department of Transportation (PennDOT) adds points to the records of drivers who are found guilty of many specific moving violations.

When you accumulate six points, PennDOT will be very proactive about informing your insurance company — and your rates are likely to soar.

One effective way to lower or avoid having points on your driving record is to fight your ticket. Your lawyer can help to lessen the level of your traffic offense. You may be able to negotiate a fine but no points. This makes retaining a defense attorney a good investment since you may be able to save significantly on your insurance costs for years.

Finding Coverage With Points On Your Record

If you try to find less expensive coverage, insurance companies like Allstate, State Farm and Geico, will check your driving record. Depending on the number of points you have, you might be limited to packages with higher pricing.

If you accumulate too many points, your insurance company may even decide to cancel your policy. As a Pennsylvania driver, you must have car insurance. So you will have to scramble to find another insurer.

How A Lawyer Will Help

When you are up against a traffic violation, you need an attorney who will stand by you every step of the way, work hard to discredit any evidence – and work with you to determine your best course of action.

Pennsylvania Traffic Violation Law

Traffic violation is described and defined under The Pennsylvania Code under Title 75. Read the code here.