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SPEEDING TICKETS & CAR INS.
By Chuck Wells
Ok, so you just got a speeding
ticket in Palmyra even though you know you weren’t going “that
fast.”
What is going to happen to you? First of all, you have the
choice of going to court for the ticket or sending it in. Some
courts will reduce the ticket to a lower charge if you appear
and that will mean fewer points on your license and maybe a
lower fine. If you just decide to ignore the ticket, your
license will be suspended without your knowledge and when you
get stopped again, you will get a bigger ticket and a bigger
fine!
As far as your insurance goes, getting one speeding ticket that
is less than 15mph over the speed limit is no big deal
and will not affect your insurance much at all. If the ticket is
more than 15mph over the speed limit, this ticket could raise
your car insurance rates by 20% for 3 years. If the ticket is
more than 20mph over the speed limit, your company may cancel
you at the next renewal because this is considered a major
ticket.
If you speed in a school zone, you may be canceled by your
company and have to go on an assigned risk type policy as most
companies don’t want anything to do with someone who speeds near
a school. They don’t care if it is just 5mph over the limit.
Keep in mind that minor moving violations are chargeable on your
car insurance for 39 months. Major tickets like DWI, Leaving the
Scene, Driving While License Suspended, etc. may affect your
insurance rates for many years.
EXCUSES FOR SPEEDING
Since we are talking about speeding tickets, here are some
comments made by people who were stopped by the police for
speeding:
- “I’m in no mood for this”
- “I have to go to the
bathroom”
- “It wasn’t me. I know it
wasn’t”
- “Not you again?”
- “I have distemper”
- “My wife found out that I
was at a strip club and if I’m not home in 10 minutes, she is
going to shoot my truck”
- “I guess my mind was still
on that Hooter’s billboard”
GET PEOPLE TO RETURN YOUR
CALLS
Robert Shook and Eric Yaverbaum wrote a book on how to get
through to people on the phone who may not want to talk with
you. When you are asked, “Whom should I say is calling?” you
should respond: “Tell him his sex therapist is on the phone.”
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