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QuestionInsurance Question  I am from Irvine, California and just received a ticket for an illegal left turn. I have two previous tickets, but I went to traffic school for them. I won't be able to go to traffic school for this ticket. Will this ticket affect my insurance rates?

AnswerAuto Insurance Answer

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 conviction (and accident claim). Now, insurance companies are required to file their rates and rules with state regulatory bodies such as the Department of Insurance. Insurance companies may assign a higher rate for those traffic violations. For the most part, a turning violation is a minor violation, and its impact on your rates should be minimal - if any. You will need to contact your insurance company to verify their violation rating procedure. Also, you can follow this link to visit the California Department of Insurance.

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