People who have more moving violations and speeding tickets are viewed as more likely to get into an accident by auto insurance companies. Therefore your rates are likely to be higher the more serious and numerous your traffic tickets are.
A single speeding or traffic violation in a few years may not have much impact on your insurance rate. Getting multiple tickets over a short period of time, even a few years, can dramatically increase your rate. For every additional ticket, the percentage your rate goes up will surge.
In North Carolina, you may be eligible for a Prayer for Judgement (PJC) as a way to avoid having your speeding ticket increase your insurance premiums. A PJC cannot be granted if your ticket is for speeding more than 15 mph over the speed limit or for DWI conviction. The North Carolina DMV allows a driver to request a PJC twice in a five year period.
Most North Carolina insurance companies will recognize a PCJ every three years per insurance policy. If there is no other PCJ, they will not increase your rates for a below 15 mph speeding ticket once the PJC has been granted. Be aware if you are on the same policy with your spouse or children if they have had one in the past 3 years when decided if you want to request a Prayer for Judgement.
Our traffic violations lawyers can help you learn more about a Prayer for Judgement or to understand how you can benefit from legal representation for your speeding ticket.