As a Georgia DUI lawyer, we have to deal with a lot of regular traffic tickets. Every DUI arrest starts with an ordinary traffic ticket. I understand the challenges that all drivers face when dealing with a traffic ticket involving an accident, especially for young drivers under 21 years of age. If you have been charged with a traffic violation in Georgia, it's crucial to understand the potential long-term consequences and the importance of having an experienced attorney on your side.

Understanding the Georgia Point System:

Georgia uses a point system to track traffic violations. If you accumulate 15 points in any rolling 24 month period your license will be suspended. For drivers under 21, the consequences are even more severe. A single traffic ticket can result in a 6-month suspension if you accumulate 4 points or more.

The Impact on Insurance Rates after an at fault accident

 

A. Increase in Premiums

i) Severity of the Accident: If the accident involved major damage or injuries, the increase in premiums will be higher compared to a minor fender-bender.
ii) Fault: If the driver was found to be at fault, the increase will be more significant.
iii)Previous Record: A driver with previous accidents or violations will face higher increases compared to someone with a clean record.
iv)Insurance Company: Different insurance companies have different algorithms and criteria for determining rate increases after an accident.

Typically, Insurance companies base their rates on a variety of factors, including the specifics of your accident, the driver's history, the state they live in, and the insurance company's policies. A single traffic ticket can cause your insurance premiums to skyrocket, especially if you're under 21. According to multiple sources, the average increase in insurance premiums after an at-fault accident is around 42% to 63% (63% in Georgia according to Wallethub) (42% according to bankrate.com)(54% according to marketwatch for speeding ticket and an accident) on averge for regular drivers with a recent accident.

See

• WalletHub: "How Much Does Insurance Go Up After an Accident?"
• Bankrate: "Will an Accident Increase My Insurance Premium? Understanding Car Insurance Rates After an Accident"
• MarketWatch: "How Much Does Insurance Increase After an Accident? A Comprehensive Guide"
• Reddit: "Car Insurance Went Up 180% After a Minor Fender Bender: Seeking Advice on r/personalfinance"  

 

This could translate to an additional $1,000 to $1,200 per year on average for regular drivers. However, for young drivers, the increase can be even more substantial due to their already high insurance rates due to their age and perceived risk.  In fact, a young driver's insurance rates can increase by as much as 50%-100% or more after a single ticket or even get your insurance cancelled. This can be financially devastating for young drivers and their families.

The duration for which the increased rate will apply can also vary, but it's generally reported that the rate increase will last for three to five years. However, the severity of the accident and the cost of damages can affect how long your rates stay higher.

However, it is important to remember that Georgia law prohibits insurers from raising insurance rates on a motor vehicle insurance policy for a driver who was not at fault for the accident including the use of uninsured motorist coverage or underinsured motorist coverage. See, OCGA 33-9-40 ( https://law.justia.com/codes/georgia/2022/title-33/chapter-9/section-33-9-40/)

B. Mitigating Factors

i) Defensive Driving Courses: Completing a defensive driving course might help in reducing the increase.
ii) Good Student Discounts: For students maintaining good grades, some insurance companies offer discounts.
iii) Accident Forgiveness: Some insurance companies offer accident forgiveness programs where the first accident does not result in an increase in premiums.

It's also worth noting that some insurance companies offer accident forgiveness programs, which may waive the surcharge associated with the first at-fault accident caused by an eligible driver on your policy. However, these programs often have specific eligibility requirements, such as being accident-free for a certain number of years or being over a certain age.

Long-Term Consequences

The impact of a traffic ticket doesn't end with the immediate consequences. A ticket can remain on your driving record for years, affecting your insurance rates and even your ability to get a job or rent a car. For young drivers, a single mistake can have long-lasting consequences that can affect their future.

The Importance of Legal Representation

Having an experienced attorney on your side can make all the difference when facing a traffic ticket. A skilled lawyer can help you navigate the complex legal system, negotiate with prosecutors, and potentially get the charges reduced or dismissed. This can help protect your driving record, minimize the impact on your insurance rates, and prevent long-term consequences. Hiring a competent traffic attorney can save you literally thousands of dollars in insurance premiums over 5 years even after paying for attorney's fees.

If you're a regular driver or under 21 and facing a traffic ticket in Georgia, don't underestimate the importance of legal representation. The consequences of a single ticket can be severe, affecting your driving privileges, insurance rates, and future opportunities. Contact an experienced Georgia DUI lawyer to help you navigate the legal system and protect your rights.

Contact Us Today

For a free consultation, contact the Law Offices of George Creal today on the web at www.georgecreal.com or on the phone at (404) 333-0706. We are here to help you navigate the legal system and fight for your rights.

Disclaimer

The information in this blog post is for general informational purposes only and should not be construed as legal advice. Please consult with an attorney to discuss your specific legal situation.