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QuestionInsurance Question  I recently received a ticket for shooting a red light in Phoenix, Arizona. How much will my insurance be affected?

AnswerAuto Insurance Answer

In Arizona, you can receive 6, 4 or 2 points for failure to stop for a traffic signal depending on if you caused death, serious injury or only ran the light. According to the AZ DOT Motor Vehicle Division there is a new state law that requires any person who violates the red light statutes to attend Traffic Survival School.

If the red light runner fails to attend the school, their driving privileges will be suspended until the class is completed. As for the moving violation conviction, it will be recorded on your drivers history and remain on the record for 5 years.

Any convictions received and showing on your driving record within the past 39 months will be provided to an insurance company if they run your motor vehicle record. Any violation convictions showing on your MVR can have an impact on your insurance rates.

Rating systems differ from insurance company to insurance company so to find out how your moving violation will affect your rates, contact your insurance company. Another way to find out your insurance carrier's rates is to contact the Arizona Department of Insurance, a state agency with which insurance companies must file their rates.

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