What will you be charged with if you rear-end someone?
What will you be charged with if you hit a light-pole on the highway?
What will you be charged you with if you hit a stop sign at an intersection?
The most likely charge that the cop will give you in any of these three scenarios will be a careless driving charge.
Careless driving… That sounds scary, doesn’t it?
yep, it’s scary… that’s a serious conviction.
But, you might be most concerned with what a charge like this does to your insurance rates.
How does a careless driving charge affect your insurance rates?
The easy answer to that will be that your insurance will be surcharged by 50%, as that’s what most insurance companies will surcharge a serious conviction. However, it’s not exactly that easy. You are most likely insured with a regular-market insurance company, presently. When that insurance company finds out about the conviction, they’ll most likely decline to renew your policy. You’ll then be forced to get insurance through a high-risk insurance company. The base rate on a high risk policy is normally higher than with a regular market company. Then, they’ll add the 50% surcharge.
So, you’ll be paying more far car insurance following a careless driving conviction.
That’s the bad news.
The good news is that you can call me for a quote and I’ll make the process of signing you up to a new policy quick and easy.
Call me… You can find my phone # at the top of this page.