Upstate New York Speeding Ticket

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Forum topic by Dchip posted 08-13-2010 02:55 PM 6956 views 0 times favorited 22 replies Add to Favorites Watch
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271 posts in 3216 days

08-13-2010 02:55 PM

Topic tags/keywords: question

This is a bit of a regional question, though I figured there must be some here familiar with the area. I found my self this past weekend rushing to make a wedding ceremony in the Rochester area of New York and got nabbed on the infamous I-90 driving a little faster than I normally would. This is my first speeding ticket in almost 10 years of driving, and I’m insured based out of CT. Any cops/ insurance agents/ experienced peoples know if this will raise premiums? Also, any idea how much a guilty plea will cost me for 81 in a 65 zone? I would gladly go to court, but the prospect of a 6-hour drive each way, time off of work, etc. makes this a less-likely option. Any input is appreciated, unless it’s from the holier-than-thou speed limit crowd. Thanks.

-- Dan Chiappetta, NYC,

22 replies so far

View richgreer's profile


4541 posts in 3038 days

#1 posted 08-13-2010 03:07 PM

In my case, I get a 5% premium refund every year that I have no accidents or tickets. I would loose that refund for one year (about $150) but there would be no premium increase based on one ticket.

-- Rich, Cedar Rapids, IA - I'm a woodworker. I don't create beauty, I reveal it.

View Gene Howe's profile

Gene Howe

10349 posts in 3392 days

#2 posted 08-13-2010 03:14 PM

In my state, 20 mph over is a felony and will definitely result in a premium increase, if not cancellation. 16 mph over will probably not result in an increase.
good luck.

-- Gene 'The true soldier fights not because he hates what is in front of him, but because he loves what is behind him.' G. K. Chesterton

View 8iowa's profile


1580 posts in 3725 days

#3 posted 08-13-2010 03:18 PM

It might be worth hiring an attorney to represent you in court. Often the officer is not present, and a “not guilty” verdict is assured.

You definitely do not want your insurance to be cancelled, or be placed in “assigned risk”.

-- "Heaven is North of the Bridge"

View CharlieM1958's profile


16274 posts in 4182 days

#4 posted 08-13-2010 03:32 PM

I’m no lawyer, but I seriously doubt there is any state or any insurance company where one minor speeding ticket will raise your rates.

-- Charlie M. "Woodworking - patience = firewood"

View knotscott's profile


7980 posts in 3339 days

#5 posted 08-13-2010 04:03 PM

I’m a Rochester native. The court surcharges are likely to make the total fine seem a little hefty…my last thruway speeding ticket was also ~ 10 years ago and ran ~ $130 then (76 in a 65 zone). More likely to be in the $175 -$200 range now. Pleading guilty in NY State isn’t rewarded at all…it’s easy money for them. If you can plead not guilty and show up in person there’s a decent chance of a better deal, but then there’s more travel expenses and your time.

Not sure if it’ll catch up with your insurance…

So how was the wedding and where was it held?

-- Happiness is like wetting your pants...everyone can see it, but only you can feel the warmth....

View Dchip's profile


271 posts in 3216 days

#6 posted 08-13-2010 04:10 PM

Thanks for the input all.

I think the most likely outcome will be a halt of any good driver discounts as rich said. Only 30+ is a serious violation in NY, so I’m safe there. I was just a bit thrown off by there being no monetary value on the ticket, though I suppose this falls under the “innocent until proven guilty,” which makes me a bit hesitant to admit complete guilt. It would be difficult to make the case that I wasn’t speeding though.

Anyone know if the “statement of explanation” could hold any sway, or are these things pretty inflexible ( I imagine some sort of master list somewhere)?

Reading up on this stuff on the ol’ internet tends to put crazy thoughts in your head…

-- Dan Chiappetta, NYC,

View Dchip's profile


271 posts in 3216 days

#7 posted 08-13-2010 04:17 PM

knottscott – Thanks for the figures; I would be more than fine with an upfront cost of $200, it’s the long-term consequences that trouble me. I’m hoping out-of-state insurance makes this less likely.

The wedding was in Brockport at Hurd Orchards. Not exactly a traditional ceremony, but the weather was wonderful making the setting a pretty amazing place.

-- Dan Chiappetta, NYC,

View Eric_S's profile


1565 posts in 3159 days

#8 posted 08-13-2010 04:37 PM

I’ve had my fair share of speeding tickets and out of state ones as well. When I lived in Maryland, I was certain that virginia cops had it out for me. Cops I think like to go for out of towners because they know they will probably just pay the ticket instead of trying to fight it in court, its just cheaper. Each state’s laws are different though. I got a 25 mph over the speed limit ticket in VA and was charged with reckless driving there because of that. If its 3 in the morning and you’re the only one on the road is it really reckless lol? I think the officer hiding under an underpass with his lights off was more of a danger to drivers than me all by myself :P Anyways, the court costs in Virginia were almost as much as the ticket, but I was glad to fight it because i was able to have 5 of the 6 points removed from my license if I attended a AAA sponsored safe driving school class. The points on my license hurt more than the speeding ticket itself when it came to insurance premiums it seemed. I wasn’t sure if insurance can see points from another state though but my insurance was very expensive for a few years (almost 1k for 6 months). now that I’m older and don’t speed as much, plus I’m past 25, my 6 mo. premium is half that :) My like for fast cars though don’t help much with those premiums or speeding either lol.

To answer your question though, yes, your premium is likely to rise a little bit if it goes on your record. If its your first ticket in 10 years though, you may want to fight it so that they give you a year probation or so in which case it would be removed from your record if you don’t get any more during that year. 6 hour drive though is a real pain, and if it doesn’t get reduced then court fees will just be extra $$ added onto the ticket plus gas for the drive. There is also a good chance though if you fight it the officer may never show in which case you would be completely let off the hook (happened to my brother twice).

I know it will sound like a commercial, but I just switched from Geico to Progressive but kept the EXACT same coverage and my insurance went down $300 for 6 mo. of coverage. NOW THAT IS SAVINGS!

-- - Eric Noblesville, IN

View ChuckV's profile


3110 posts in 3491 days

#9 posted 08-13-2010 04:56 PM

Try a Google search for “Interstate Drivers License Compact”. Most states, including CT and NY, are in the compact. So, the effect on your CT insurance will probably be the same as if you got the ticket in that state.

-- “Big man, pig man, ha ha, charade you are.” ― R. Waters

View Dchip's profile


271 posts in 3216 days

#10 posted 08-13-2010 06:07 PM

Yah, NY and CT are linked, though it seems something like a case by case basis.

It seems crazy that this would require getting a lawyer involved, but again my experience in this area is minimal. I just feel like as soon as I check off the guilty plea, the you know what will hit the fan and there’s no going back. I wrote of my “statement of explanation”, which happens to be the truth, though I fear it is in vain:

To Whom It May Concern:

Out of respect for your time, I will be brief. In my 10 years of driving this is my first traffic violation of any kind. I do not deny that my speed at the recorded moment exceeded the posted limit of 65 MPH, and I regret this. A combination of an unfamiliar (and higher-end) car, a brief period of passing, and a lapse in better-judgment has put me in my current predicament. Had I been aware at the time that my clocked speed was the recorded 81 MPH, I would have decelerated. Unfortunately, at no point in my periodic viewing of the speedometer did I see this. In error, I relied too heavily on the surrounding traffic as a gauge for proper speed, something I will avoid in the future. I only ask that you take all this into consideration with my plea, as I will be unable to be present in person to explain and defend my actions.

-- Dan Chiappetta, NYC,

View Eric_S's profile


1565 posts in 3159 days

#11 posted 08-13-2010 06:22 PM

I dont know how useful those statements of explanation are, but…
I just read this on BBC news and just be glad you werent’ slapped with this fine….

-- - Eric Noblesville, IN

View AaronK's profile


1506 posts in 3428 days

#12 posted 08-13-2010 06:27 PM

cant read through all the other suggestions, but you might call up the police dept that gave you the ticket and see what you can do. I’ve had this work twice now (for out of state tickets): paying the full value of the ticket, but NOT having it be recorded as a moving violation. I forget exactly how it worked, but they were able to change them to stuff like “failure to heed posted road signs” or something. They got their money, but the insurance company couldn’t stick it to me (as hard as they’d want to anyway).

View Gregn's profile


1642 posts in 2947 days

#13 posted 08-13-2010 08:10 PM

Contact the D.A. office and ask if you can get a deferment on your ticket. You’ll still pay 90% of the ticket but will protect your license from being hit with the point reduction and protect your driving record. Thats what I have done here in Oklahoma. Don’t know about where your at if they do that or not but worth checking into.

-- I don't make mistakes, I have great learning lessons, Greg

View swirt's profile


2640 posts in 2935 days

#14 posted 08-13-2010 08:12 PM

I live a couple hours outside of Rochester. That ticket will cost you over $200 if you plead guilty by the time you add up the fines and fees. I doubt it will do anything to your insurance rates unless you go get a new car or something within the next couple years. My company (allstate) doesn’t seem to bother looking my record unless I give them reason to.

-- Galootish log blog,

View ajosephg's profile


1880 posts in 3524 days

#15 posted 08-13-2010 08:31 PM

I got an out of state speeding ticket (65 in a 45) about three years ago. This year when I shopped for a cheaper insurance, the agent quoted me X $ based on a clean record. He said that it might go up after the underwriting review, and it did by $100.00.

-- Joe

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