Do Red Light Tickets Affect Insurance in NY?: 1 Minute to Understanding Insurance Impacts from Traffic Violations

In New York, receiving a red light ticket can be a confusing and stressful experience, especially when you're concerned about the long-term effects on your insurance premiums. The good news for most drivers is that not all red light tickets are created equal in the eyes of insurance companies. Specifically, if you get a red light camera ticket in New York, it is considered a non-moving violation and does not add points to your driving record. Since insurers typically look at moving violations and points when determining your rates, red light camera tickets usually do not impact your insurance.

However, if you are pulled over by a police officer and issued a traditional red light ticket (not from a camera), this is a moving violation. That ticket comes with points added to your license (typically 3 points for running a red light in New York), and it will become part of your driving record. Insurance companies often review your driving history when you renew your policy. Accumulating points from moving violations—like running a red light—can signal to insurers that you are a riskier driver, potentially causing your rates to increase.

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If you do receive a moving violation ticket, consider contesting it in court or attending a defensive driving course to reduce points. This can keep both your driving record and your insurance premiums healthy and well-organized.

FAQ

Q: Do red light camera tickets add points to my license in New York?

A: No, red light camera tickets do not add points to your driving record in New York; they are considered non-moving violations.

Q: Will my insurance increase after receiving a red light camera ticket?

A: Generally, insurance rates are not affected by red light camera tickets because they don't add points or appear on your driving record.

Q: Are all red light tickets treated the same for insurance purposes?

A: No, tickets from a police officer are moving violations and may affect your insurance, while camera tickets are non-moving violations and typically do not.

Q: What should I do if I receive a red light ticket from an officer?

A: You may want to contest the ticket in court or take a defensive driving course to mitigate points and prevent insurance hikes.

Q: Can too many moving violations increase insurance premiums?

A: Yes, accumulating points from multiple moving violations can mark you as a high-risk driver and may lead to higher insurance rates.