Will My Insurance Rates Increase?
I recently received a ticket in Minnesota for violating the hands-free law by texting at a red light (I know, it was a mistake). I’m curious if my car insurance rates will increase if I plead guilty and pay the fine. Any advice or insights would be greatly appreciated!
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It’s understandable to be concerned about how a ticket will impact your insurance rates. In Minnesota, receiving a ticket for violating the hands-free law can lead to increased insurance premiums, especially if you plead guilty and pay the fine, as this may be considered an offense on your driving record.
Insurance companies typically review your driving record during policy renewals or if you apply for a new policy. A ticket can signal to insurers that you may be a higher risk, potentially resulting in higher rates.
However, the impact can vary based on your insurance provider, your overall driving history, and the length of time since the incident. It’s a good idea to check with your insurance company to understand how they handle similar offenses and what you can expect regarding your premiums. You might also want to consider taking a defensive driving course to help mitigate any potential rate increases. Good luck!