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The Hidden Costs of a Red Light Camera Ticket

 Red light cameras have become increasingly common across U.S. cities, aimed at reducing accidents at intersections. But while the ticket may seem minor — usually under $100 — the hidden costs can add up quickly. First, not all red light camera tickets affect your driving record. In many states (like California), they are considered civil infractions , not moving violations. However, in others (like Arizona or New York), they may come with points that affect your license. What are the hidden costs? Insurance premiums may increase , especially if the ticket is reported as a moving violation. Late fees can double or triple the original fine if you miss the payment deadline. Collection agencies may get involved, harming your credit. Loss of time dealing with court or DMV if you choose to fight it. You do have options. In some cities, you can request a trial by mail or in person. Some drivers have successfully challenged tickets based on unclear signage, camera mal...
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What Happens If You Accumulate Too Many Points on Your License?

 In many U.S. states, traffic violations are tracked using a point system. Each time you’re convicted of a traffic offense — like speeding, reckless driving, or running a red light — points are added to your driving record. But what happens when you accumulate too many points?

The short answer: consequences can be severe. These may include license suspension, increased insurance premiums, mandatory driving courses, and in some cases, court appearances.

For example, in New York, accumulating 11 points within 18 months can lead to suspension. In California, 4 points in 12 months or 6 points in 24 months can result in disciplinary action.

Insurance companies closely monitor your point total. More points usually mean you’re viewed as a high-risk driver, leading to increased rates — sometimes by hundreds of dollars annually.

To avoid accumulating too many points:

  • Fight tickets when appropriate.

  • Take defensive driving courses (often removes 2–4 points).

  • Drive cautiously and stay informed about your state's traffic laws.

If you’re close to the limit or already received a suspension notice, contact a traffic attorney. They can help you contest violations, request hardship licenses, or seek point reduction strategies.

Ignoring the point system is a mistake. It can impact not only your license but also your job (especially if you drive for work) and your finances. Stay proactive.

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