it just so happens that i just got off the phone with my wife's auto ins. company and i asked this exact question. you should know that my wife has full coverage and the policy is just hers, no one else in on it. she has 2 points on her record for speeding in a school zone, a $180 fine in Indiana. as most of you reading this know these things probably vary by state and ins. company. her TWO points are costing her about $800 more a year!!!!!!!!!!!!!!!! at this moment, i, am not a happy man.
This is a prime exapmle of why the fee of a lawyer or a paralegal will be worth it in the end!