Vehicular insurance premiums have increased over the past five years and one of the main reasons for its significant increase is because insurance policies keep speeding and parking tickets on a driver’s record for three years until it is overlooked by other insurance companies, causing drivers’ monthly bills or premiums to raise to a nasty, hefty bill. The policies that force insurance companies to do this are ridiculous because both parking and speeding tickets have nothing to do with how often an individual gets into a moving accident. For one, most mobile accidents occur at lower speeds because at these speeds drivers are less likely to pay attention compared to an individual moving at a speed greater than sixty miles per hour giving his or her undivided attention to the road. Another point on topic would be the correlation between parking tickets and insurance quotes along with how the tickets influence the price of insurance. The opposition seems like they have never even considered it because they cannot explain the connection with vehicular insurance and parking tickets. Insurance companies should not worry about parking tickets and should also reduce the hold on a speeding ticket from three years to one year.

Starting off, exploring statistics relating speeding and accidents as well as look at the percentage of last year’s accidents that were over speeds of sixty miles per hour would be necessary. When driving at higher speeds, one realizes that their life is at greater risk if an accident were to occur, so one would be more likely to pay attention to the road as well as their surroundings. Most accidents occur at intersections and exits because these accidents are not because of speeding, but because of careless operation in general. This proves that speeding may not contain a major influence on traffic accidents. The opposition states that speeding is the main reason for traffic accidents, but statistics show this.