Traffic violations can seem like minor inconveniences, however, they can quickly turn into major headaches. If you have been given a citation for a traffic violation such as speeding, it is important that you take legal action as soon as possible. A traffic violation can mean hundreds or even thousands of dollars in increased insurance costs as well as a potential loss of license.
Massachusetts is one of the few states in the country where auto insurance rates are set by the government. What this means is Massachusetts works hand in hand with the insurance companies to make sure your insurance premiums go up when you are convicted of a speeding ticket or moving violation. Moving violation convictions are tracked through a surchargeable point system that is openly communicated to the insurance companies. Every time you are found responsible of a moving violation, points go against your record. These points stay on your record for up to six years and directly affect your insurance premiums as well as the status of whether or not your license will be suspended.
It is important to have an attorney who will advocate for you, knows the system and who can make sure that you rights are protected.
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Massachusetts Surchargeable Points System
Possible Insurance Consequences
On average a driver with less than six years experience- insurance premiums rise 7.5 % per surchargeable point
On average driver with more than six years experience- insurance premiums rise 15% per surchargeable point.
A SPEEDING TICKET IS 2 POINTS- THIS CAN TRANSLATE TO A 15-30% INCREASE
IN INSURANCE PREMIUMS