What influence can reckless driving have on your insurance?

Reckless driving can significantly impact your insurance premiums, leading to higher costs. Insurance companies assess risk based on driving history, and a record of reckless driving indicates a greater likelihood of future accidents or claims. Consequently, insurers may classify the driver as a higher risk, which results in increased premiums to offset potential future losses. This adjustment in rates reflects the company's concern over liability and compensation for claims that may arise due to the driver's behavior.

In many cases, insurance providers may review driving records routinely, so a charge of reckless driving can stay on a person's record for several years, continuously affecting their insurance rates during that time. Thus, it's important to drive responsibly to maintain lower insurance costs.