You've been slapped with a fine for a driving infraction - now what? Should you just pay the ticket and forget about it? What about demerit points and how they will affect your driving record, not to mention your auto insurance rate?Sometimes it's best to pay and sometimes it's best to fight. Here are three scenarios that each call for a different course of action:Scenario one: You parked in a no-park zone without noticing the sign and got a $30 dollar ticket.You may or may not want fight this one. The amount is paltry and you're best off just paying it in full. Plus, parking tickets fall under the jurisdiction of your municipality's bylaws, and bylaws have no effect on your auto insurance rate.Scenario two: You were doing 96 km/h in an 80 km/h zone and the officer who stopped you gave you the highest fine, plus you acquired three demerit points.If you have a half-day available, you will want to fight this. Since you were over 15 km/h, you'll automatically gain three demerit points and you will be fined - that's the law. However, you may be able to get the fine lowered or possibly even demerit points removed if you plead your case. It's always a good idea to keep your record as clean as possible for the sake of your auto insurance rate.If this is your first ticket, know that most insurance companies may let you off the hook for your first minor offense, meaning that your auto insurance rate may not be affected. If, however, you choose to change companies, know that the infraction may be taken into consideration and you may not get the best rate possible, as every provider has its own set of rules and rates. To always ensure you have access to the best rate, you'll want to practice good driving habits, keep a clean driving record and shop around, checking out the prices offered by different insurance companies.Scenario three: You were found at-fault for a collision that caused damage to both your car and the other driver's vehicle. The other driver was found not at-fault. However, the other driver cut you off, causing you to rear-end his car. You got fined, acquired points and now have a mark on your record.You may want to fight it. If you feel that there were extenuating circumstances or that you were in the right, then take the half-day and go to court so you can plead your case. At the very least, you may have the fine reduced, decrease the number of demerit points applied and hopefully have the charge reduced as well. If you were found at-fault for careless driving, this will gain you six demerit points. However, if you can get it lowered to a charge of following too closely, then this could be reduced is four demerit points.If you get it reduced to a lesser charge, then your policy will take less of a hit. For example, careless driving could be a 50 per cent surcharge on your premium as a result. However, following too closely gets you a surcharge of only 15 per cent.If you do find yourself in a situation where you are wondering if you should fight a driving infraction, consider contacting Pointts or No Points Traffic Tickets to speak to a legal representative who specializes in cases involving demerit point and legal charges.
Is it Worth the Fight?

Our Users Say
2,147 reviews on TrustPilot. See some of the reviews here.
The service was quick and efficient
The service was quick and efficient

Nonette Mangiardi
Answered my questions
No pressure tactics, answered my questions offered opportunity to follow up once ready.

Ella
The broker was very helpful
I had been seeking lower car and apartment insurance rates, so I obtained a quote online from Insurance Hotline.com. I subsequently received an email from the company, providing me with an estimated premium that was slightly lower than my current rate, which I found satisfactory. The company then attempted to contact me via phone, leaving messages requesting that I get in touch with them to discuss the details of my quote. Unfortunately, I was unavailable to take their calls; however, they provided their phone number and business hours, from Monday to Saturday. On Saturday, I contacted them at 10 am, and they promptly connected me with Maria, a broker from Scoop Insurance, who was extremely courteous and thorough in addressing my questions and concerns. Maria demonstrated patience and understanding, acknowledging my limitations as a senior citizen in navigating modern technology.
Thanks to Insurancehotline.com.

Deborah Pinheiro
Very knowledgeable and helpful.
Very knowledgeable and helpful.

Dave Schemenauer Schemenauer
It was very quick and the price was…
It was very quick and the price was very good.

Holly Karsch
Good CS
The Agent was very knowledgeable ,

J Jey
EXELLENT SERVICE
young man helping was exellent in helping
older people

Brenda Brooks
Fast service knowing what I wanted to…
Fast service knowing what I wanted to know

Rene Rivest
Very kind and knowledgeable agent to…
Very kind and knowledgeable agent to help me with anything I need.

YAN HUO
Nothing negative about comunication so…
Nothing negative about comunication so far.

Luis Alves
This is not my first time using this…
This is not my first time using this service. I appreciate that quotes come in quickly. Plus...I have had a phone call from someone there. However...I used my advisor of the past few years and she is on it!

Catherine Van Der Eyken
It was better than I expected the agent…
It was better than I expected the agent is as brilliant as he is knowledgeable Scoup is fortunate to have such employee

Sheik Azim
The person I spoke with was very…
The person I spoke with was very informative, and in my opinion, honest with me.

Richard Fox
Promptness of service and knowledgeable…
Promptness of service and knowledgeable individuals

Bruno Innocentin
Friendly
Friendly, fast, knowledgable

dave rolls
