Making mistakes is a part of human nature; however, some mistakes may lead to points on your driving record and some of these points can remain on your driving record for several years. Points on your driving record can result in an increase in your auto insurance premiums because your insurance provider will view you as a high-risk driver in Midlothian, TX. Amy Tounget Insurance Agency LLC has put together a list of the three most common things that can hurt your driving record.
Driving Without a License
Whether you haven’t gotten your driver’s license yet, or you have a restricted license, if you get pulled over and don’t have a legal driver’s license, it will lead to serious consequences. Not only will you be faced with fines, but there is a risk of other license restrictions, possibly even prevention of getting your license in the future.
Driving Under the Influence
A DUI (driving under the influence) is one of the most serious driving mistakes you can make. Driving while under the influence of drugs and/or alcohol can impair your reaction times and your judgment, both of which significantly increase your risk of getting in an accident. Depending on your blood alcohol level and the circumstances of being pulled over, such as being involved in an accident, you may be faced with expensive fines, jail time, and a loss of your driver’s license. Each time you are caught driving under the influence, your sentencing increases, and insurance providers view your driving record as high risk.
Each city and county has its own set fines and penalties for a speeding violation. However, regardless of where you get the speeding ticket, it will go on your driving record and insurance providers view this as you being a high-risk driver. Speeding tickets, regardless of how mild or major the difference in miles per hour you were traveling leads to points on your driving record and may lead to an increase in your insurance premiums. Speeding in certain areas such as a school zone can cause you to receive additional points.
Fortunately, there are ways to gradually remove points from your driving record. The first step is to appear at all court hearings relating to the tickets, especially if you feel as though you didn’t deserve the ticket/violations. In this situation, you will need to make sure you have the evidence to prove your case. Another way to reduce the points on your driving record is to take a defensive driving course, which will teach you how to be a safer driver. Eventually, the points on your driving record will fall off; however, it does take time.
Residents of Midlothian, TX interested in learning more information about high-risk insurance or reviewing your current insurance policy should contact Amy Tounget Insurance Agency LLC.