Does a speed camera ticket affect insurance? is a question car owners often ask. Imagine you return home from work after a long day and find a ticket from a speed camera with a picture of your car driving higher than the posted driving limit in your mailbox. Now you are left wondering whether a speed camera ticket would affect your car insurance.
Speed cameras are placed to capture high-speed drivers while a speed camera ticket is given to remind drivers of their moving violations. Generally, a speed camera ticket does not affect your car insurance rates. This is because this violation is not added to your driving record, and insurance companies ignore it when determining insurance premiums.
However, speed camera tickets are different from speeding tickets. Speed camera tickets are issued directly to the car’s registered owner while speeding tickets are issued by police officers stopping you on the road. Because of this, they both work and affect your car insurance in different ways.
What are Speed Cameras?
Speed cameras, also known as automated speed enforcement cameras, are a type of camera that catches drivers in the act of speeding. These cameras are generally placed around schools. And community safety zones to monitor high foot traffic in low-speed limit areas continually. These cameras would capture drivers who drive at a high speed in these areas.
The pictures taken by these cameras include the date and time of the incident, the car’s make and model, license plate number, and the speed the driver was going. Here is a copy of the image and a ticket will be issued and mailed to the registered car owner.
Does a Speed Camera Ticket Affect Insurance?
Whether or not a speed camera ticket affects your insurance is not a license to drive recklessly. All drivers need to drive safely while on the road to reduce risks to their insurance. Fortunately, speed cameras do not affect insurance because the photo taken cannot clearly show the high-speed driver. Due to this, drivers will not get their speed camera ticket recorded in their driving history and no points.
The speed camera ticket gets issued directly to the car’s registered owner irrespective of who is driving the car. The owner will need to pay for the issued tickets.
However, since the speed camera ticket is not issued to a specific driver, this violation cannot be recorded, meaning it cannot affect your insurance premiums. Failure to pay for these tickets, and once you exceed the maximum ticket limits, you may likely encounter difficulties and fines when renewing your driver’s license.
Are There Any Other Penalties for Speeding Camera Tickets?
Fortunately, this ticket’s only penalty is out-of-pocket payments. However, there are no maximum limits to how many tickets you can get from a speed camera. If you ever speed past a speed camera more than once.
You will get a ticket for each and more out-of-pocket penalty payments to make. Failure to pay these tickets may affect your license plate sticker renewal until your tickets have been completely paid off.
What to do After Receiving a Speed Ticket
After you receive a speed ticket, there are three main options you can select from to carry out within 15 days of receiving the ticket. These options are:
- Paying the fine charged.
- Request for a trial to plead not guilty of the violation.
- Request for a trial to plead guilty and need a longer time to make payment.
After this has been done, it would be left to you to practice how to drive safely and prevent other tickets as well as keep everyone, including yourself, safe.
Do Speed Camera Tickets go on your Driving Record?
No, speed camera tickets will not be included in your driving record. This is because the speed camera does not capture the exact driver driving the captured car. Only a speeding ticket issued by a police officer is recorded in your driving history. This is because the driver is physically identified for speeding at that time.
Do You Get Demerit Points from Speed Camera Tickets?
No, you do not get demerit points from speed camera tickets added to the driving record because the speed camera does not identify who exactly was driving the captured car. Instead, it issues the ticket to the original registered car owner. It would be unfair to add demerit points to the driving record of the owner when it was a friend or spouse who was driving.
