![]() ![]() So if you happen to be from one of the 15 states that does have a way of reducing those surcharges, or getting your license back after it's been suspended, consider yourself lucky. Get a traffic ticket? Your point total goes up and so does your insurance - for SIX YEARS afterward. Go for a year without a surchargeable incident? Your point score lowers and your insurance rate goes down. Massachusetts has a friendly-sounding program called the "Safe Driver Insurance Plan" that starts each driver at a neutral 15 points. Similarly, if you're assessed a surcharge on your insurance, it'll stick around like a bad cold. Not every state allows you to take traffic school to correct a suspension, a fine, or a surcharge.įor example, in the Commonwealth of Massachusetts - where Car Talk is headquartered - if you lose your license, you lose your license and there's no way to get it back until the suspension period is completed. The first thing to consider is whether or not your state actually accepts traffic school as a way to remediate a license suspension or an insurance surcharge. First off, we're using the generic term "Traffic School" here, but your state may call it a "Defensive Driving Course." The terms are interchangeable. ![]()
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