It’s true that they’re not supposed to raise your insurance, but I assure you, my dad’s insurance did go up after he got hit. He was totally not at fault, the other driver was unfit to drive (too old, couldn’t see shit, wasn’t wearing glasses or anything) but it still went up. Now, our car DID get reamed and we had a rental for over a month so it prolly cost the insco a pretty penny, but it was the old guy’s insco, not ours.
I have one simple rule to understanding how your rates will be affected by things:
Insurance Companies are genuinely EVIL. Not mother-in-law evil, not used car salesman evil, or tax auditor evil. We’re talking plotting to take over the world, sharks with laser beams on their heads, having your henchmen dressed as stormtroopers and having a goatee evil! The REAL oldschool kinda evil :lol:
I ain’t skurred of them. Bring it on if it already hasn’t been broughten.
Well my court date for the 4pt fine is on the 24th. I am hoping to get
away with 0 points on that one because the cop was a nice guy. Or so I think :noes:
insurance companies are the enemy plain and simple.
every traffic violation WILL hurt your insurance (noise is not a traffic violation nor are fix-it tickets)
insurance is also based on a claims-made basis so all claims whehter at-fualt or not WILL hurt your insurance unless your company has a first claim free policy.
silly ticket here… rolled through a stop sign (bad fucking luck that a cop was pulling out of a timmies up the street and happened to see it)… $110 ticket 0 points. odds that insurance will go up?
ill prolly take it to court…
question though, if the cop does show up (and im obviously guilty of the offence) can i still use the “poor student” tactic and get a lower fine? or is that only an option if you go with the justice of the peace (option 2 on ticket)?
If cop does show up you can plead to the judge for a lighter sentence and it can’t hurt.
Fight it as best you can, and if it goes shitty then beg for mercy
