Do Parking Tickets Affect Insurance?
Parking tickets are a real pain, especially when they're undeserved. Given that parking tickets are usually issued when people are away from their vehicles, it's rare for people to have the opportunity to contest these citations before they're written up. If you've recently received a parking ticket or if you've got several in your glove compartment that is waiting to be paid, you may be wondering, "Do parking tickets affect insurance?".
Although parking tickets don't have a direct impact on your ability to get insurance or the amount that you'll have to pay in premiums, they'll eventually catch up to you. Unpaid parking tickets are often passed on to collection agencies, and when they are, they'll impact credit scores. The good news is that DoNotPay can help. If you've recently been ticketed for a parking violation that you don't believe you've committed, DoNotPay can help you successfully contest within just minutes.
Is It Best to Hire an Attorney When Contesting a Parking Ticket?
In general, representing yourself in legal matters isn't a good idea. However, when you compare the cost of a parking ticket with the price of a good attorney, arguing your case makes the most financial sense.
DoNotPay is a revolutionary tool that you can use instead of a conventional attorney. Both affordable and incredibly capable, DoNotPay brings legal expertise, answers to common legal questions, and a tremendous amount of clout. As the world's very first robot lawyer, DoNotPay is an AI-driven platform that gets things done. When it comes to parking tickets, DoNotPay has successfully fought more than 200,000.
Reasons to Contest Your Parking Ticket
There are multiple valid reasons for contesting a parking ticket. Surprisingly, this remains true even if you were parked illegally. For instance, you can contest any illegible parking ticket
- Has the wrong information about you, your vehicle, the date, or time
- Is factually inaccurate
There are also times when drivers park illegally due to municipal oversights, negligence, or errors. These include times when
- The signage is extremely faded and therefore impossible to read
- Curb markings are faded
- The posted parking restrictions for an area are unclear
Drivers can also contest parking tickets if they weren't the owners of the vehicles in question when their tickets were written or if someone else happened to be driving their vehicles at the time.
How to Dispute a Parking Ticket
The instructions for disputing a parking ticket can be unique to the area in which the citation was written. To find out how to dispute your parking ticket
- Flip the ticket over and look for instructions on its reverse side
- If no instructions exist, look for a website or other contact information
- Call the issuing authority and ask for instruction on how to dispute a parking ticket
When to Submit Your Parking Ticket Dispute
In most locations, you have just 15 days to pay a parking citation. If you don't take any action during this time, you may be subject to civil fees. Although parking tickets are normally written for modest amounts, civil fees can add up fast. Waiting too long to take care of this issue could leave you owing hundreds of dollars. If you choose to contest a parking ticket instead, be sure to do so before 15 days have gone by.
Can My Car Insurance Go Up?
The question of whether or not your car insurance will go up as the result of one or more parking tickets largely depends upon whether or not you pay them. Unpaid parking tickets that are not successfully disputed can have a definite impact on your premiums over the long term. This is because car insurance companies run credit reports on prospective policyholders before issuing their quotes. Having poor credit is considered a significant risk factor. Thus, the more that your credit drops, the more that you'll ultimately pay for coverage.
Making sure that your parking tickets are taken care of before they're sent to collection agencies is the only way to avoid this secondary and often expensive consequence.
What Else Might Happen if I Don't Pay My Ticket?
Higher insurance rates aren't the only problem that you'll face if you amass a collection of unpaid parking tickets. You can also
|Your car gets “booted”||In some cities, a car may be booted when it has 3 or more unpaid parking, red, and/or automated speeding tickets. When the parking ticket is more than a year old only 2 of those and your car gets booted.|
|Your car can get towed, impounded, or auctioned||Failure to retrieve your car from the impound yard by paying your parking tickets could result in its auction. Aside from the cost of your parking tickets, you would need to pay the necessary fees which can range from $75 to $350.|
|Get hassled by collection agencies||Unpaid parking tickets may be forwarded to collecting agencies. Incessant calls and demand letters for your debt may create more stress than you ask for.|
The most common consequence of not paying parking tickets and failing to contest them in a timely fashion is having to pay considerable penalties. A simple $25 parking ticket could cost as much as $200 after civil penalties have been added.
Surprising Secondary Effects of Having Multiple Unpaid Tickets
Just as your car insurance rates go up due to increasingly poor credit, the secondary effects of unpaid parking tickets can affect your life in many other ways. If you have multiple parking tickets get sent to collection agencies, you may have a hard time
- Renting an apartment or getting a home mortgage loan
- Securing utility services
- Securing mobile phone service
- Getting an auto loan
Essentially, unpaid parking tickets can affect your ability to get anything done that requires another party to run your credit report. If you want to apply for employment with a prestigious company, the impact that unpaid parking tickets have had on your credit profile could diminish your appeal as a candidate.
DoNotPay Can Help You Successfully Contest Your Parking Ticket in Just 120 Seconds
In 2016, Venturebeat cited that DoNotPay had already helped consumers beat 160,000 parking tickets, the next one could be your own. Using DoNotPay to contest parking tickets is just as effective as hiring an attorney. It's also significantly cheaper.
Here's how to get started
- Log-in to DoNotPay and find the Parking Tickets product.
- Upload a photo of your parking ticket.
- Provide us with some details on why you believe the parking ticket is a mistake.
- Select whether or not you want the letter mailed to the traffic ticket issuer on your behalf!
- That’s it! You’ll receive an appeal letter that contains state vehicle codes to boost your case.
It's really that simple! Look out for your traffic ticket issuer's response to discover whether you won!
DoNotPay Helps Drivers Fight Parking Tickets in Any City
It doesn't matter where your parking ticket was issued, DoNotPay has got you covered. You can use DoNotPay to contest parking tickets in
Whether you received parking tickets in NYC or California, you can count on DoNotPay to provide fast, effective, and affordable assistance every time. DoNotPay can even help you take care of tickets from San Francisco Municipal Transit Authority and higher learning institutions like Rutgers. Stop asking, "Do parking tickets affect insurance?" and take action by subscribing to DoNotPay instead.
Check Out These Other Ways DoNotPay Can Help
DoNotPay can help you take care of many other important tasks. With DoNotPay, you can easily
- Negotiate a car lease agreement
- Get compensation for canceled flights
- Dispute seatbelt tickets
- File complaints
Sign up now to get started!