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Bicycle - can I reverse this ticket?
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PostPosted: Mon Dec 20, 2010 4:53 pm 
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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?


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Re: Bicycle - can I reverse this ticket?
PostPosted: Tue Dec 21, 2010 1:06 am 
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What is bicycle insurance

Cheers
Viper1

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Re: Bicycle - can I reverse this ticket?
PostPosted: Tue Dec 21, 2010 2:52 pm 
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Joined: Wed Nov 25, 2009 11:28 am
Posts: 149
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.


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Re: Bicycle - can I reverse this ticket?
PostPosted: Tue Dec 21, 2010 4:58 pm 
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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.


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Re: Bicycle - can I reverse this ticket?
PostPosted: Tue Dec 21, 2010 6:55 pm 
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er, correction: not a red light CAMERA ticket


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Re: Bicycle - can I reverse this ticket?
PostPosted: Wed Dec 22, 2010 8:19 am 
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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.


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Re: Bicycle - can I reverse this ticket?
PostPosted: Wed Dec 22, 2010 12:05 pm 
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Joined: Thu Aug 27, 2009 10:06 pm
Posts: 354
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


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