Should You Fight Your Traffic Ticket or Just Pay It?

The instinct to just pay a ticket and move on is understandable — but it's often the wrong move. Here's how to think about it.

When Paying Makes Sense

• The fine is small and carries zero or one point
• You have a clean record and one more point won't matter
• The violation is clearly documented and indefensible

When You Should Fight It

• You already have points on your license. More points risk a suspension.
• The charge carries 4+ points. This is a serious hit to your insurance and record.
• You're a commercial driver. Even minor violations can affect your CDL.
• Your insurance rate is already elevated. Another violation could cost you thousands over 3 years.
• The charge could be reduced. Many tickets can be negotiated down to a non-moving violation — no points, lower fine.

The Real Cost of Paying

Paying a ticket is admitting guilt. That conviction stays on your record and your insurance company will see it at renewal. The average driver pays about $800 extra in premiums over 3 years per moving violation.

Bottom Line

If the ticket carries points, it's almost always worth contesting. An attorney can often get charges reduced or dismissed — and the cost of representation is usually far less than what you'd pay in increased insurance.