Demerit Points DO NOT AFFECT INSURANCE. They only affect your ability to have a license, and come off your record after 2 yrs. So for you to get enough points to lose your license, must mean you're a pretty crappy driver. After 2-3 tickets in a 2 year period, I would just drive cautiously until my points fall off.
This is another reason why I would not hire one of those ticket fighting companies, just because they can reduce your points. you can reduce your points yourself by showing up to court. I'd only hire them if I got involved in a major collision that involved numerous convictions.
Convictions on the other hand do impact your insurance. So if you plead guilty to a reduced fine and 0 points, guess what?!? That will still affect your insurance, as long as you plead guilty, you will have a conviction on your record. This isn't even a deal, because the likelihood of losing your license due to demerit points is so far fetched in my mind, unless you enjoy drinking and driving and get 3 tickets a year I dont know how you can lose your license.
This is another reason why I would not hire one of those ticket fighting companies, just because they can reduce your points. you can reduce your points yourself by showing up to court. I'd only hire them if I got involved in a major collision that involved numerous convictions.
Convictions on the other hand do impact your insurance. So if you plead guilty to a reduced fine and 0 points, guess what?!? That will still affect your insurance, as long as you plead guilty, you will have a conviction on your record. This isn't even a deal, because the likelihood of losing your license due to demerit points is so far fetched in my mind, unless you enjoy drinking and driving and get 3 tickets a year I dont know how you can lose your license.
When you fight your ticket at the trial, the proseuctor alwasy offer you to reduce fine and take no points and most of the people will accept it becuase they thought it will help on the insurance with 0 points taken off.
This is wrong...your driving record will still affected aslong as your have a conviction and insurance co look at how many conviction you have, not points.