Does Running a Stop Sign Increase Insurance?
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Getting a traffic ticket is one of the most frustrating things, particularly if you were only a few mph over the speed limit and had a genuine reason for being so. When it comes to the most common traffic violations in California, the most typical one is running a stop sign. This can be easy to accidentally do and unfortunately can have large financial consequences for those that are involved.
They can cause a large financial burden and stress to fall on those that it happens to. One of the most commonly asked questions when it comes to this, is “does running a stop sign increase insurance?” Insurance can cost a lot anyway, so the last thing you want is for the price to increase even further. Here we explain whether running a stop sign does in fact do this and what you can do to help the situation.
A stop sign means that you have to slow down and stop – no matter if there are any traffic obstructions or other vehicles/people around. Whether you arrive at the intersection, crosswalk, or stop line first, you have to stop. If you don’t stop, this counts as running a stop sign and can cause you to receive a hefty fine. States such as California usually tend to have stop sign cameras to catch those that keep driving when they are meant to have stopped.
In California and many other states around the US, there are strict rules that state how a car should behave at a stop sign. You need to ensure that your vehicle makes a complete stop and stays in this position until it is your turn to head off on your journey again. You need to ensure you give right of way to other vehicles or to those crossing the road and do not drive off again until it is completely safe to do so.
The cost for running a stop sign can vary depending on what state you are in. In California, the price is $500 which is a big cost and not something that people will be able to afford lightly. There are also a few factors that can make it more costly, such as if you have had a previous offense in the past eighteen months. This can mean that the price goes up to around $1000.
The reason for this is that your insurance will, unfortunately, rise for at least the next three years and you will also have to pay for fees such as to attend court and for an attorney to help work on your case. This $1000 will be on top of your original ticket fine, so the price can really rack up.
As mentioned briefly above, running a stop sign can increase your insurance. Failing to stop at a stop sign isn’t something that will just cost you financially with the upfront cost of the fine, it can also cost you up to three detriment points on your license. This in turn will increase your insurance rates and can do so for at least three years, meaning it can be a very costly mistake to make.
The rate at which your insurance will increase is largely down to the insurance company that you are with. It is common practice for the insurance company to file a rating plan that follows the state you are in when you make your violation and where you live. This plan details how they treat traffic offenses and violations such as running a stop sign. Some insurance companies might be a bit more lenient if it is your first offense, while others will base it on how long you have been with them and how bad the driving offense is. The insurer’s discretion will determine whether or not the price of your insurance will go up and how long this will go up for.
If you already have points on your license, or this adds points to your license this can make you look more of a high-risk driver, and therefore insurers are likely to increase your rates depending on this basis. Doing things such as attending traffic school can help to get rid of your points or at least lessen the damage that you have done. The most important thing to do is to not panic if you run a stop sign.
GetDismissed produces results in fighting all kinds of tickets. Unfortunately, this list does not include exhibition of speed citations. Your best bet in fighting one of these infractions, is to contact an attorney. An attorney can negotiate on your behalf to try and reduce fines, or even to reduce the charges to a lesser infraction which could possibly qualify for traffic school.
We do however, contest infractions revolving around speeding, red lights, red light cameras, cell phones, signs (primarily stop signs), carpool violations, U-turns, out of lane violations, and commercial violations. If you receive a citation and have questions, contact us today.