[quote name='Strell']This seems like a good thread to bring up
Trafficare. I'm afraid it can't help you
now, OP (as it only works if you are enrolled in it
before getting a ticket), but the basic premise is that you're buying insurance against moving violations.
You pay $13 a month for a membership in this program. It's run by an ex-cop who says he knows how to work the system, which he says is a huge multi-billion dollar industry. If you get a ticket, they handle
everything for you. They pay the ticket, any court costs, etc. Then they send you a letter confirming everything is taken care of.
The break-down I saw that accompanied it is that the program costs $156 or so for a year membership. If you get two tickets, you're already looking at (most likely) $200 or more in violations, to say nothing of insurance premiums going up (which Trafficare
also keeps from happening).
So you can think of it as being paid for itself after 2 tickets, with a bonus of securing your insurance costs, keeping you out of defensive driving classes, etc.
Keep in mind it only works for - as I understand - moving violations, such as failure to yield, running a red light/stop sign, speeding, etc. It won't cover anything like a wreck, failing to have your license on you if you get stopped, your taillight being out, etc.
Any have any opinions on it? Almost sounds too good to be true. I drive like a grandpa, though, so I tend to think of myself in the clear. But the peace of mind alone might be worth it - I get a huge adrenaline rush and freak out if a cop pulls up behind me, even if I know I wasn't doing anything wrong.[/quote]
I found Trafficare interesting, so I gave it a search.
#1
Here's how it works: pay the $12.95 monthly membership fee and you're allowed up to seven moving violations a year. That means you never have to pay the fines or increases in insurance premiums! The creator, Troy Simpson told me, "you would pay around $12.95 to be covered for speeding, red light, seat belt, stop sign, yield sign, illegal lane change, anything considered hazardous."
Is it worth it?
We crunched the numbers. The average speeding ticket in Pennsylvania is about $100 (probably more). TraffiCare costs about $13 bucks a month so that's $156 a year.
If you only got two tickets adding up to $200, TraffiCare would pay for itself, save you an extra $44 AND any jump in insurance! Simpson explained, "if a person receives a ticket, insurance company gets wind of it, they're gets raised $15 per month well TraffiCare steps in and pays that $15 per month for the life of the contract."
Remember this only works for moving violations. If you get a parking ticket or a ticket for not having your drivers license or insurance, that's on you.
#2
As I recall, I think you can only get up to 7 tickets per year.
if you get more then like 5 moving violations in a year you'll lose your license anyway.
Call me crazy, but it seems a lot easier to just follow the law, or go a wee bit over the speed limit ("go with the flow of traffic").
I have had my driving license since I was fifteen years old and never got a ticket or into a car accident.
But maybe I'm just crazy.