Speeding tickets are among the most common traffic violations in the U.S. While paying the fine seems like the easiest option, it may lead to points on your license, higher insurance premiums, and long-term consequences. Here’s what to consider before you decide.
What Happens When You Get a Ticket?
You’ll receive:
- A citation with the alleged speed and limit
- Court date or payment instructions
- Options to contest the charge
Ignoring the ticket can result in a license suspension or warrant.
Should You Fight the Ticket?
Consider fighting if:
- You were wrongly accused
- There’s lack of signage
- Radar or pacing was used improperly
- You have a clean record and want to avoid points
How to Contest a Speeding Ticket
- Plead not guilty and request a court hearing
- Request discovery (evidence against you)
- Prepare your defense – weather, signage, speed calibration
- Attend court or hire an attorney
Many states allow you to appear virtually or settle without appearing in person.
Traffic School Option
Some jurisdictions allow offenders to take traffic school in exchange for:
- No points on your record
- Ticket dismissal
- Insurance protection
Eligibility depends on your record and the violation.
Impact on Insurance
Speeding tickets can cause:
- Rate increases
- Policy cancellation
- Loss of safe driver discounts
Shopping for new insurance or bundling may offset the increase.
Conclusion
Speeding tickets can be more than a minor inconvenience. Before paying, understand your rights and options. Fighting a ticket or taking traffic school could save you money and protect your record.
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