How Long Does Reckless Driving Affect Insurance?

How Long Does Reckless Driving Affect Insurance?

Reckless driving is a serious offense that can have long-term consequences for your insurance policy. It is important to understand the consequences of reckless driving and how it can affect your insurance rates.

Reckless driving is defined as any driving behavior that is considered to be dangerous or careless. This includes speeding, running red lights, making illegal turns, and driving under the influence of drugs or alcohol. It is important to note that even minor reckless driving offenses can have a major impact on your insurance rates.

When you are cited for reckless driving, your insurance company will likely raise your rates. Depending on the severity of the offense, the increase can range from 10% to 100%. The increase in rates can last for up to three years, so it is important to be aware of the consequences of reckless driving.

In addition to increasing insurance rates, reckless driving can also lead to the suspension or revocation of your driver’s license. Depending on the severity of the offense, you may be required to complete a driver’s education course or pay a fine in order to have your license reinstated. If your license is suspended or revoked, you may also be required to file an SR-22 form with your insurance company. This form is proof that you have the necessary insurance coverage to legally drive.

Reckless driving can also lead to criminal charges. Depending on the severity of the offense, you may be charged with a misdemeanor or a felony. These charges can have serious consequences, such as jail time, hefty fines, and a criminal record.

It is important to be aware of the consequences of reckless driving and the potential impact it can have on your insurance rates. If you are cited for reckless driving, you should contact your insurance company immediately to discuss the potential impact on your rates. You should also contact an attorney to discuss your legal options if you are facing criminal charges.

It is important to remember that reckless driving can have serious consequences, both in terms of insurance rates and criminal charges. It is important to understand the potential impact of reckless driving and take steps to avoid it. If you are cited for reckless driving, it is important to take steps to minimize the impact on your insurance rates and work to have any criminal charges dismissed.