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Bicycle - can I reverse this ticket?
Posted: Mon Dec 20, 2010 3:53 pm
by smp
So I just got a shock from the insurance company, what would have been a rate of $180/month is now 380/month because of a red light ticket I got on my bicycle in 2009. Now, I took it to court. When I was there I specifically asked if I would get demerit points and if it would affect my insurance, the answer was no. So, they lied? I pled guilty to a reduced fine and paid. If I had known i would have gotten a damn lawyer and faught tooth and nail. This is 2400/year. A lawyer would have cost me less. Is there anything I can do?
Re: Bicycle - can I reverse this ticket?
Posted: Tue Dec 21, 2010 12:06 am
by viper1
What is bicycle insurance
Cheers
Viper1
Re: Bicycle - can I reverse this ticket?
Posted: Tue Dec 21, 2010 1:52 pm
by diehard
smp wrote:So I just got a shock from the insurance company, what would have been a rate of $180/month is now 380/month because of a red light ticket I got on my bicycle in 2009. Now, I took it to court. When I was there I specifically asked if I would get demerit points and if it would affect my insurance, the answer was no. So, they lied? I pled guilty to a reduced fine and paid. If I had known i would have gotten a damn lawyer and faught tooth and nail. This is 2400/year. A lawyer would have cost me less. Is there anything I can do?
Was it a red light camera ticket?
If you plead guilty then you're getting a conviction, even with 0 demerit points and paying a reduced fine.
If your insurance company checks MTO records during policy renewal and sees that conviction, then they may increase your rates.
Re: Bicycle - can I reverse this ticket?
Posted: Tue Dec 21, 2010 3:58 pm
by smp
diehard wrote:smp wrote:So I just got a shock from the insurance company, what would have been a rate of $180/month is now 380/month because of a red light ticket I got on my bicycle in 2009. Now, I took it to court. When I was there I specifically asked if I would get demerit points and if it would affect my insurance, the answer was no. So, they lied? I pled guilty to a reduced fine and paid. If I had known i would have gotten a damn lawyer and faught tooth and nail. This is 2400/year. A lawyer would have cost me less. Is there anything I can do?
Was it a red light camera ticket?
If you plead guilty then you're getting a conviction, even with 0 demerit points and paying a reduced fine.
If your insurance company checks MTO records during policy renewal and sees that conviction, then they may increase your rates.
Not a red light ticket.
Yes, this is what happened, they increased by more than two-fold! I have an otherwise clean record and I am 32.
Re: Bicycle - can I reverse this ticket?
Posted: Tue Dec 21, 2010 5:55 pm
by smp
er, correction: not a red light CAMERA ticket
Re: Bicycle - can I reverse this ticket?
Posted: Wed Dec 22, 2010 7:19 am
by diehard
smp wrote:er, correction: not a red light CAMERA ticket
Yeah, in that case you got a conviction and your insurance company found out.
Now you'll have to wait three years.
Do some shopping upon policy renewal.
Johnson Inc. has very good rates, call them.
Re: Bicycle - can I reverse this ticket?
Posted: Wed Dec 22, 2010 11:05 am
by OPS Copper
Ok one last time. The Police and Courts have no control how a private business will react to a conviction. The private business being the insurance company.
GS