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If you are 22 years old and got your first ticket for reckless speeding for going 100 mph in a 65 mph how can you keep your insurance low and should you hire a lawyer?


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2011-09-12 21:40:55
2011-09-12 21:40:55

Yes you should probably hire a lawyer because to many insurance companies this type of ticket is just as serious as a DUI. To save yourself you need to get this reduced to a careless, or a ticket that is less than 20 mph over the speed limit.


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If you have not received a ticket, then NO! If you received a ticket they know already. If you are applying for insurance and received a ticket for reckless driving, then the answer is yes!

In Virginia any speed over 80 mph is reckless, and anythign 20 over is "reckless" this has a mandatory civil remedial fee for Virginia residents of 1050 paid over 3 years in 350 installments, + possible jail time, suspension of your license, and a fine of up to $2500 and a $65 court fee, and will also cost you increased insurance rates. It is rare for them to issue the maximum $2500 and year in jail, and typically for that would probably be around $200 +1050 remedial fee +65 court fee or a little more than $1300 total not counting insurance rate increases. The max cost not including insurance is $3615 + a year in jail. A lawyer can normally get this reduced to regular speeding, in which case the fine is probably around $200 for a total ticket cost of 265 with much less of an insurance hike. I am not a lawyer, and any advice about your particular case should be obtained form a licensed lawyer. I'd strongly recommend contacting one about your case.

If you are not at fault, then you should contact the other driver's insurance company. You may need to involve a lawyer. You should also have insurance. You're an idiot not to.

You should get a car wreck lawyer when you have been in a car accident. A lawyer can help you rid of collision conflicts or tickets. You should hire one to prevent your insurance from rising.

You should see a lawyer for this because it isn't likely if you were lucky enough to know where the Insurance Co., was, that they would give out this private information. Your lawyer can find out about this for you. Marcy

You're insurance should not go up if this is your first time and as long as you pay the ticket. But you can contact your insurance company and find that out with them

My lawyer advised me that seatbelt tickets do not count against you for your license as far as points go and that insurance should not be affected.

State Farm Insurance may increase your rate for getting a 6 point speeding ticket in New York. They will look over your policy before renewing it and then decide if the rate should increase.

You should certainly consult a lawyer. Bad faith insurance claims are considered fraud in many states and can lead to severe criminal and/or civil penalties. Depending on the nature of your situation consulting a lawyer would probably be a good idea.

In the US insurance has nothing to do with speeding. If your state has mandatory insurance, the fact that your car is insured is good enough but the officer may want to see proof of insurance. Here it is the vehicle that is insured, not the driver. In UK you should not let anyone drive your car on the public road without checking they are insured. You can be fined if you let them drive without insurance.

The first thing you need to do if you get a New York speeding ticket is take notes on what happened. It is important for you to be able to recall exactly what happened in case you have to recollect that information. The thing you don't want to do is plead guilty before speaking with a New York speeding ticket lawyer. If you are concerned about points on your license, fines and an increase in your auto insurance and you are uncertain as to whether or not your New York speeding ticket can be challenged in court, you should contact a New York speeding ticket lawyer or New York speeding ticket attorney. You should have both your ticket and the notes that you took on the traffic stop with you when you call. A skilled New York traffic ticket lawyer or speeding ticket attorney will ask you various questions like what you are being charged with, what your driving record is over the past four years, etc. Then the New York speeding ticket lawyer will be able to (a) tell you what you are looking at if you are convicted or plead guilty; and (b) what he or she thinks they can do for you if you hire them to represent you in court. Not only are speeding tickets costly in terms of court fines and auto insurance increases, but if you get 11 points in New York within 18 months, your driving privileges will be suspended. In addition, if you get 6 points in New York within 18 months, you will receive a bill from the NYS DMV for $100/year for 3 years and $25/year for 3 years for each point over 6. So, for example, if you have 8 points on your license, you will have to pay the NY DMV $150/year for 3 years which is a total of $450! Most people feel that if they are indeed guilty (which is true most of the time but is definitely not always true) there is little that can be done and they should simply plead guilty and eat the points, fines & auto insurance increase. Most of the time, this thinking is mistaken. Courts and prosecutors are very busy and most often do not want to hold a New York speeding ticket trial, especially if they know they have to go up against a skilled New York attorney that can give them a run for their money, literally. A good lawyer should be able to challenge the ticket and negotiate a reduction of points and fines to save you money in both the short term (court fines) and the long term (auto insurance). This answer is general in nature and is not to be construed as legal advice.

Thee is no way to answer this question. If you feel that you need an attorney to protect your interests then you should consider consulting one.

It would depend on the serverity of the crash. Check with your insurance agent for advice.

The moving company should have their own insurance if items were damaged during the moving process, if not I would get a lawyer!

Since they are the most reckless drivers young people always face the highest insurance rates. LCLS is an aggregator that offers rates from different companies. You should also check with an independent insurance broker.

depends on how many tickets you have recently had. You should be more concerned with you're insurance carrier dropping you then you may have an increase due to high risk insurance cost. I hope you don't live near me.

Whether you pay a ticket or not will end up appearing on your record. If you contest a ticket in court and it gets dismissed, or you go to traffic school,the ticket should disappear from your record and not affect your insurance rates.

You would have to plead your case to a Judge about getting the ticket reduce it. Since it is a reckless driving chare the penalties are stiffer. Now if it was a regualr speeding ticket, you could take a defensive driving course to get the ticket off your record.

Hire a lawyer & prepare to be sued. Answer, first you will be fined for driving without insurance, then you will get the long arm of the insurance company up your butt and will be sucked of all your money, and will most likely have to file bancrupcy ... then start all over ..

Probably not. The best way to find out is to "shop" your auto insurance at the next renewal, or wait at least three months from the date of your ticket to "shop" it. When "shopping" your insurance, your agent should pull your MVR (Motor Vehicle Record) and that's how you'll find out if the PA DMV (Dept of Motor Vehicles) reported the incident to the IN DMV. I got a speeding ticket down in VA that was actually a reckless driving charge because I was going over 80. VA never reported the incident to my home state, PA, so my MVR is still clean. Hope this helps! Mandy Cool, CISR Independent Insurance Agent for the states of PA and MD

If your state allows it, go to traffic school. In California if you admit guilt to a ticket (by paying the fine), you are given the option of taking traffic school which will take your ticket off your driving record upon completion. If you go to court but don't take the school, it might hike your insurance if you're ordered to pay.

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Usually reckless driving is around 4 points on your license. This varies from state to state and should be checked in your state.

You may not know this, but legal costs insurance should and will cover much, if not all, of the expenses involved with hiring a lawyer and dealing with suing a company.

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