Will My Insurance Rates Increase?
I recently received a ticket for violating Minnesota’s hands-free law by texting at a red light (I know, it was a mistake). I’m curious if my car insurance rates will rise if I plead guilty and pay the fine. Any insights or advice would be greatly appreciated!
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It’s understandable to be concerned about how a ticket like that might affect your insurance rates. Generally, traffic violations can lead to increased premiums, especially if they are moving violations. However, the impact on your rates can vary based on a few factors:
Insurance Company Policies: Different insurers handle violations differently. Some may raise your rates, while others might not, especially for a first-time offense.
Severity of the Violation: Since this was for the hands-free law, while it’s a violation, it might not carry the same weight as more serious offenses like speeding or DUIs.
Your Driving Record: If you have a clean driving record otherwise, insurers might be more lenient.
State Regulations: In Minnesota, some states have laws that prevent insurers from penalizing drivers for minor infractions after a specific period of time.
Rate Increases: If your rates do go up, it might only be a small increase. It’s worth checking with your insurance provider to understand their specific policies.
If you’re really concerned, it might be a good idea to contact your insurance agent to discuss the ticket and how it might affect your policy. They can provide insight based on your specific situation. Good luck!