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Traffic violations can lead to several penalties

Traffic violations like speeding or running a stop sign might not seem very important in the long run, but they have the potential to impact you and your ability to drive. While one or two violations over a few years isn't likely to result in much more than fines from officers, if you have repeated violations, you could get so many points on your license that it's suspended.

A suspended license isn't the only negative that can come from too many traffic violations. You may also notice that your insurance skyrockets in price or that you're no longer able to obtain insurance. Remember, insurance companies don't like to insure high-risk drivers. They want the lower-risk individuals as clients, because there is a lower risk of having to pay out a claim. Since that's the case, each time you get a traffic violation, you may see your insurance rates increase.

Most insurance companies only look at your record over the last three to five years, so if you can keep your record clean, you may eventually see your rates drop again.

Can you defend yourself against a traffic citation?

Some violations can be dismissed in court, which is why it's a good idea to get information on your court date and to appear. If the officer who created the citation doesn't show up, it's possible it could be dismissed. Additionally, if you have the information an officer was looking for previously, like your license or insurance information, the court may dismiss a citation for not having that information with you at the time of the traffic stop.

It's wise to defend yourself against citations, so you don't see a rise in your insurance, don't have to pay fines and don't need to worry about points on your license. These citations add up quickly, so drive safe and be aware of the potential they have to threaten your right to drive.

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