You shouldn’t practice safe driving for financial reasons only. All drivers need to prevent careless driving for their safety, passengers, and others on the road. If you are involved in an auto incident where you were guilty of reckless driving, this could impact your auto insurance. Careless driving violations that could affect your auto insurance include:
- Failure to yield
- Improper turn
- Improper passing
- Excessive speeding
- Child-seat violations
- Driving without proof of insurance
How Careless Driving Affects My Auto Insurance
Here, we’ll take a look at how careless driving could affect your auto insurance rate.
Increase in Premiums rate
Violations related to careless or reckless driving can affect your driving record, impacting your auto insurance premium. Reckless driving will increase the cost of your insurance premium.
Lower Quality Coverage
Your insurance company could change your coverage to a “non-standard” insurer if you are convicted of reckless traffic violations like DUI or have multiple tickets. This will affect your driving record and restrict the quality of insurance you qualify for.
Cancelation of Policy
Insurers have the legal right to cancel your insurance coverage based on your reckless driving record. If you have numerous violations, or serious convictions, an insurance company can cancel your policy. This makes finding affordable insurance difficult.
How Do You Fix It?
Visit the Departments of Motor Vehicles office in your area to see if you can reduce the careless driving charge from your driving record. Removing the charges can help lower your premiums. You can consider seeking legal counsel to help remove the charges —especially if you have a serious offense that causes you to lose your insurance. You can also discuss with your insurer about safe driving discounts or consider shopping around for auto insurance.