quick question about speeding ticket & insurance rates

[Lao Tzu]

I got a ticket, going 69 in a 55 zone today. I live in indiana. Have no previous citations or violations of traffic law. I intend to pay the ticket rather than go to court.

Question: how, if anyway, will one ticket, with no previous speeding tickets, affect my insurance rates.

 

[gymtime]

Depends on your age. If you are younger, late teens/early 20s, expect your rates to go up, even for one ticket.

 

[Warik]

How old are you? If you are young, you're fucked. If you intend to pay the ticket, then why don't you hire one of those ticket lawyers to go to court for you?

I did and after the lawyer fee and court costs, I ended up paying a couple of dollars less than what the ticket hit me for. The only difference was that I did not have to attend traffic school, got no points on my license, and my insurance will not go up.

I'm told that the judge cannot require court costs for greater than the amount of the ticket, so at worst, you'd be paying the ticket and getting no penalties as opposed to paying the ticket and getting every penalty.

-Warik

 

[GLADIATOR351]

at least go to court and asked for it to be reduced... most insurance companies will give you one tkt if the violation is less than 10mph over the speed limit... or ask for a PJC

 

[Lao Tzu]

i am guilty of speeding though. and i am 22.

I just read on the net that if i take it to court, the officer probably won't show up, so the ticket might get dismissed. Is that my best option. to show up at court. Will there be any extra penalties for trying to contest a ticket (i know that in the criminal justice system, going to trial will get you a more severe penalty than pleading no contest. I don't know if it is the same for traffic penalties). Indiana law is probably different than florida law.

Where does one find a traffic ticket attorney?

what is a PJC

some guy in college gets tickets all the time, i'll ask him for advice.

 

[bigschweeler]

Do you have the option to go to traffic school? It's like a one day class that once complete they drop the points from you're insurance. If you have the option, check it out. You still have to pay for the class in lieu of paying for the ticket, but at least they don't hit your insurance.

 

[Lao Tzu]

Do you have the option to go to traffic school? It's like a one day class that once complete they drop the points from you're insurance. If you have the option, check it out. You still have to pay for the class in lieu of paying for the ticket, but at least they don't hit your insurance.

yeah. Under indiana law §140 IAC §1-4.5-7, you can shave 4 points off your driving record if you attend defensive driving courses, which are available on the net, video or class.


I think i have my goal planned out. i'd like to find an attorney first as he would know more about this.

Plead not guilty, hope the officer doesn't show up. If he does, try to plea bargain down the ticket (if such a system exists). if that fails, take defensive driving.

 

[Warik]

I don't know about you, but I wouldn't be caught dead in court without a lawyer no matter how minor the offense. Better to be safe than stupid.

-Warik

 

[Lao Tzu]

I don't know about you, but I wouldn't be caught dead in court without a lawyer no matter how minor the offense. Better to be safe than stupid.

-Warik

i know. There is no way i won't get a lawyer, unless the lawyer himself wants like $500 to contest a $60 ticket.

In indiana, 1-15 mph above the speed limit is 2 points. Defensive driving takes off 4 points.

 

[PlateheadJim]

i know. There is no way i won't get a lawyer, unless the lawyer himself wants like $500 to contest a $60 ticket.

In indiana, 1-15 mph above the speed limit is 2 points. Defensive driving takes off 4 points.

Ahhhhh, Indiana... Spent some time running a small company there (Terrible Haute / Vincennes / INDY) - I believe I received approximately 11 tickets, and had two suspensions (all speeding - the suspensions where because I refused to recognize I had to pay some of the tickets)..

Good luck up in corn country, they love to give tickets!

Oh... did I mention the 11 tickets where in 4 years?

 

[GLADIATOR351]

i know. There is no way i won't get a lawyer, unless the lawyer himself wants like $500 to contest a $60 ticket.

In indiana, 1-15 mph above the speed limit is 2 points. Defensive driving takes off 4 points.

paying a lawyer $500 now is better than paying the rasied insurance rates for 3 years.

as for the points... the driving school will remove liscence points not insurance points.... they stick around for 3 years...

trust me .. I know.

a PJC.. is basically a Plea for Justice Continued (or something like that) In NC if you have not had any tkt in the last 3 years you can request a PJC. This will basically shelve your tkt for 3 yrs (does not count against you). However if you get another ticket w/ in the 3 yrs. You will be judged on both charges the new and the shelved.

GET A LAWYER!!!!

 

[Warik]

paying a lawyer $500 now is better than paying the rasied insurance rates for 3 years.

$500??? You don't need O.J.'s lawyer to save your ass from a traffic ticket. I got nailed for a $325 ticket for speeding in a "school zone" (aka: doing the legal speed limit before entering the school zone, but that's a whole other thread). Lawyer was only $70 + $248 court costs = $318 spent in exchange for no traffic school, no points, no insurance hike. Well worth it. Any lawyer charging you more than $100 for ticket defense had better include some kind of guarantee for sexual compensation for the shame of having to go to court or something.

-Warik

 

[GLADIATOR351]

$500??? You don't need O.J.'s lawyer to save your ass from a traffic ticket. I got nailed for a $325 ticket for speeding in a "school zone" (aka: doing the legal speed limit before entering the school zone, but that's a whole other thread). Lawyer was only $70 + $248 court costs = $318 spent in exchange for no traffic school, no points, no insurance hike. Well worth it. Any lawyer charging you more than $100 for ticket defense had better include some kind of guarantee for sexual compensation for the shame of having to go to court or something.

-Warik

I only used $500 because that is the number he used in an earlier post...... What ever the cost now as in your case $318 is better than pleading guilty and have ing to pay increase insurance. For me my base was $85 per month (2 cars) after my tickets hit is was $246 per month. that's a differ of $161 per month x 36 months (insurance pts stick 3 yrs) = $5796 vs say max of $500 for a lawyer. Maybe this will help him w/ his decision

 

[Lao Tzu]

I only used $500 because that is the number he used in an earlier post...... What ever the cost now as in your case $318 is better than pleading guilty and have ing to pay increase insurance. For me my base was $85 per month (2 cars) after my tickets hit is was $246 per month. that's a differ of $161 per month x 36 months (insurance pts stick 3 yrs) = $5796 vs say max of $500 for a lawyer. Maybe this will help him w/ his decision

i live in a small town, and it turns out that the cop who pulled me over is my brother's wife's best friend's husband. And he is the type who would show up in court if i contested the ticket according to my brother's wife.

Also, my brother had a ticket for speeding 6 mph over the limit and his insurance didn't go up. So i guess if i can't get a competent attorney for cheap (also, i really was guilty ), and if my rates won't go up i might as well just pay it.