• Red Light Cameras & Insurance Rates

Guy W. Midkiff

I think it is pretty clear by now that Red Light Cameras are more about another city money grab than they are about safety. And as I do more research into RLC’s, I find more that bothers me about these cameras. Take for example insurance companies: Seems like insurance companies are getting in on the action as well.

I spoke with my insurance company (USAA) today and asked them what affects a RLC ticket will have on my insurance rates. If you have no points on your record, then the result is rather benign. Your rates will increase by about $20 per year for the next 3 years. If you have two points, then that little $98 RLC ticket will cost you another $300 in insurance increases, for a grand total of $400. Remember, your rates increase for 3 years if you get RLC justice.

By the way, the ticket will go to the owner of the vehicle and not the actual driver – you are assumed guilty and it is up to you to prove your innocence (so much for due-process).

And why do they ticket your car and not you? Good question. Seems that the first states to institute fines against the individual, so bogged down the jury by peers judicial system, that they were forced to fine the automobile, thus avoiding trial by jury.


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