Tickets remain on the driving record for three years in Texas. The three years begin after his conviction. In addition, the points associated with the violation will be maintained for three years. Most Texas traffic courts will encourage you to complete a defensive driving course.
This will cause the ticket to be rejected and the points removed. Reducing the number of points on your driving record means lower insurance premiums. So it's worth spending your time taking a course. Most Texas traffic courts will allow you to complete a defensive driving course and can override the ticket and eliminate any point.
If a poor driving record prevents you from obtaining coverage, you should consider joining the risk fund allocated by your state, where you will be assigned to an insurance company and provided with the minimum coverage required by state law. When you renew your driver's license, the charges include a significant surcharge for driving an uninsured car. Even if you're not required to take a course and haven't received a ticket, a defensive driving program can allow you to get a discount on your car insurance for driving safely. In addition, not having liability insurance makes you personally responsible for any and all costs associated with an accident that you are proven to be at fault.
Either way, you'll learn some valuable lessons that will help you stay safe on the road and reduce your chances of receiving another ticket in Texas. Even if you're not expected to take a course and didn't deserve a citation, participating in a defensive driving program will give you a discount on your car insurance for driving safely. Texas insurance companies also have specific time frames in which they must recognize the claim and then decide whether to accept it before paying the final settlement. Most insurance companies only take into account the last two or three years of your driving record when determining your premium, so if you can practice good habits long enough, you'll eventually be able to get a better deal.
Read on to learn more about traffic ticket records in Texas and what you can do to keep yours clean. Whether you want to save money on your car insurance or have recently received a traffic violation, a defensive driving course can help. For example, most car insurance companies check the last three years of your driving record when calculating premiums. Driving without insurance in Texas is an expensive proposition, and even a single lapse can cost more than an entire year of car insurance.
However, in general, a traffic ticket can often result in an increase in insurance premiums, a modification of the driving record, or even the suspension or revocation of the license. A citation for not presenting proof of insurance or maintaining financial responsibility (FMFR) can have serious consequences. In addition, the incentives for taking a defensive driving course in Texas or having a clean driving record wouldn't change the additional premiums you'll have to pay to most auto insurers.