Traffic violations around South Carolina significantly shape auto insurance claims, influencing everything from premium rates to claim outcomes.

Premium Adjustments

Premiums usually rise when you receive a traffic violation, such as a speeding ticket or citation for reckless driving. Insurance providers view traffic violations as indicators of potential future claims, prompting them to adjust premiums accordingly. More severe violations typically result in more substantial premium hikes.

Risk Assessment

Insurers assess drivers’ risk profiles based on their history of traffic violations. Multiple infractions or serious offenses like DUIs can categorize drivers as high-risk. This classification can lead to higher premiums or limitations in coverage options. Insurance companies mitigate potential financial losses by offering higher premiums to drivers with a history of violations, assuming they are more likely to file claims.

Impact on Claim Adjudication

Traffic violations can also impact how insurance companies handle claims. Insurers consider the driver’s violation history when determining fault and liability in an accident. Recent violations may influence the insurer’s decision regarding fault, potentially affecting the compensation received or the deductible amount.

Long-term Consequences

Consistently committing traffic violations can have lasting consequences on your insurance record. Insurance companies may view drivers with a history of violations as higher risks, even after several years. This can lead to ongoing elevated premiums and limited coverage options.

Strategies for Mitigation

To reduce traffic violations on auto insurance claims:

1. Practice safety and change driving habits.
2. Consider attending defensive driving courses to improve your driving skills.
3. Periodically review your insurance policy to understand how violations affect your coverage and premiums.

Champion Insurance Agency Helps Guide You

Champion Insurance Agency will help guide you and show you how auto insurance can save you in the long haul. Our team covers the South Carolina region. Get in touch with us today.

Owning a business is a rewarding venture but also an enormous responsibility. You must manage employees, ensure a safe work environment, and make customers and employees happy. Whether you own a small business or a corporation, keeping the business running and making money for all is the least of your worries. What if an employee gets into an accident while making a delivery or picking up supplies? A commercial auto Insurance policy from Champion Insurance Agency will provide peace of mind, knowing that your employees and vehicles are covered from any possible damage or personal injury. 

In South Carolina, having auto insurance with minimum coverage is a requirement. A reputable agent at Champion Insurance Agency will be able to assist you in determining what type of policy is right for your business.

Here are a few things to consider:

• What are the vehicles being used for? Vehicles are a central business component if you own a catering company or taxi service, so commercial auto insurance is something to consider. However, even if employees don’t often use vehicles for business, it should still be something you talk to one of our insurance agents about. 
• Is your business providing company vehicles, or are your employees using their own vehicles? One of our agents can ensure that your policy covers all scenarios.
• Are company vehicles being taken home, or will they stay on company property? 

Knowing some of this information will help our agents make the best policy for your business, no matter the scenario. 

Reach Out To Us

We want to ensure that you, your employees, and your vehicles are covered regardless of the scenario. Speak to a South Carolina agent at Champion Insurance Agency today to get a personalized quote.