Each company handles insurance points differently. The auto insurance company uses a point system under which assigns their individual values to each type of traffic convictions and accident claim. Chances are the insurance company will not assign a higher rate for that minor traffic violation. However, this violation may force your insurance company to remove any "safe driver" discount that applies to your policy. The length of time that this violation will affect your premiums depends upon your insurance company. Some companies verify the last three years of your motor vehicle report. Some use the last five years, and some even use the last seven years.

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