This article has been updated from a previous version.
You’ve received a ticket for a traffic violation, and if this is your first one, you may feel confused and overwhelmed about what to do next.
Should you dispute the ticket? Should you pay the fine immediately? What will happen to your car insurance rate? These are a few of the questions that might pass through your mind. Fortunately, dealing with a traffic violation is generally straightforward.
Most tickets are given when a driver is pulled over by a law enforcement officer or due to a collision. If the police pull you over, it is important to co-operate with the officer:
If you feel that the ticket is undeserved, you can contest it in court through the appropriate legal channels. Do not try to argue with the officer at the scene, as it will likely not get you out of the ticket and will only make the experience more frustrating.
The type of ticket you receive will help to determine your next step. If you get a ticket for speeding or running a red light, for example, the options available to you are usually on the back of the ticket. Typically, these include:
However, if you are charged with a more serious offence, such as driving while impaired or reckless driving, you’ll receive a summons to appear in court. For these types of offences, you’ll want to seek legal advice.
How a traffic ticket will impact your insurance depends on the type of violation and how your insurance company views that type of ticket. Minor traffic convictions may result in a relatively small increase in your premium, while serious violations can result in a significant increase. Here are some examples:
A traffic violation conviction will stay on your driving record for three years, which may affect your car insurance premium during that time from the date you were convicted (e.g., pled guilty and paid the fine), not the date that you were charged.