How will insurance discover my Vermont traffic ticket?

Insurance companies have many tools to determine whether they have a basis for placing a client in an elevated risk pool. They can search online databases, run a client’s local driving record or simply ask a client to update them on whether they received any moving violations in the last year. Regardless, it should be expected that if you receive a Vermont traffic ticket that carries points, it is likely that your insurance company will find out about it.

How to avoid the Moving Violation

The key to any traffic ticket defense is to articulate a basis for a moving violation to be avoided. Driving history, conduct of the individual on the roadside and the age of the driver are all key factors. When negotiating with an officer it is important to point these factors out at the onset of negotiations. This should put the officer at ease knowing that they are dealing with someone who is reasonable and understands the importance of safe driving.

After the illustration of mitigating factors, it is equally important to determine whether there are any legal defenses to the charge. Radar calibration, other motorists on the road, and the proper issuance of the ticket are all important factors to consider. In some instances, it is advisable to point these issues out in negotiations, while in other cases it is best to keep these defenses close to the vest in the event the case has to go to trial.

Ultimately, these defenses can be used as leverage with the officer in order to negotiate a better deal or, if no deal can be reached, to present the defense to the judge to allow them to determine whether the clear and convincing standard of proof has been met.

No driver wants to have a list of Vermont moving violations following them around. The ultimate goal in presenting a traffic ticket defense is to leave all avenues open in the hope that a result can be reached that will not result in the insurance company being able to assess additional fees.


What type of insurance hit can I expect from a Vermont moving violation

The fine and the points associated with a traffic ticket only tell a small part of the total monetary story.  The financial consequences of a Vermont moving violation can encompass much more then the fine itself.  One of the biggest concerns for motorists is what type of rate increase they should expect from their auto insurance if their carrier catches wind that the motorist has been convicted of a Vermont DUI or moving violation.

According to a report written by Bankrate.com a  single speeding ticket alone can carry with it between a 19-23% hike in insurance rates.   While a DUI carries with a 93% hike, while reckless driving such as texting while driving can bring with it rate increases as much as 82%.

What is even worse for those with less the pristine driving records is that if you add up a few of these violations, many insurance companies will refuse to even offer you insurance.

Based on the real and substantial consequences of even the most benign of traffic violations, it is important for motorists to calculate what the actual cost of that Vermont DUI, speeding ticket or reckless driving conviction could bring before determining whether or not it is worth the effort and expense of fighting it in the hopes of mitigating or eliminating the collateral consequences.