Reader’s Question:

I’m 30 years old and for the very first time in my life, I was caught over speeding last week and received my first ever ticket. Will this affect my car insurance renewal next month? Does this mean I will have to get a high risk car insurance?

Joe

Seattle, WA

Well, Joe, there’s always a first time. And what an unfortunate first time for you. Tsk, tsk, tsk.

Will you be needing a high risk car insurance? Will it affect your car insurance renewal next month?

Let’s get this straight, Joe. I want this to be concise and informative as much as possible.
People who are classified as high risk drivers are those who have DUI or DWI records. You know, those people who were caught driving while drunk or those who were under the influence of drugs and were caught behind the wheels. These kinds of drivers, more often than not, cause road mishaps that claim lives on the road. But even if a person doesn’t have a DUI or DWI record, if he has been at fault in a vehicular accident, he may also be considered a high risk driver. Lastly, a driver who has multiple speeding tickets is also classified as a high risk driver.

It’s your first and only ticket, right? Do you think you will be classified as a high risk driver? Well, I don’t think so. At least, not yet.

Meanwhile, next time, if you have an important appointment, leave early to avoid driving too fast.