Channel 19

Todd Dills

Speeding ticket insurance?

| September 09, 2010

A new service offers “Prepaid Traffic Tickets,” investments as a sort of hedge against the likelihood of getting a speeding or other ticket in a specific amount of time in the future — all while stressing that it does not in fact condone or encourage folks to speed.

Basically, the company issues a voucher to an individual for a specified price ($13.33, for instance) reedeemable for a certain amount ($100) to go toward paying a speeding ticket incurred during a certain time period after purchase (six months). Different levels of voucher are available — check them out at PTT’s site.

“Don’t get us wrong on this, please,” says company founder Keith Kelly. “We see these vouchers as a means of communicating the all-important message of safe driving,” urging voucher holders to “think of them the way they would think of a string tied around their finger,” a reminder to stay below the speed limit.

But hey, why not just tie the string around your finger, keep your foot off the pedal and hang on to your money?

Kelly says he got the idea for Prepaid Traffic Tickets during a game of Monopoly with his kids. “I drew the Get-Out-Of-Jail-Free cards,” he says. “I thought back to a speeding ticket I had received a couple weeks before…a light bulb came on, the dots connected, and here we are,” which doesn’t exactly go very far to explain the connections, but there you have it.

What’s next for Prepaid? Don’t know, but if they really wanted our money, they might have included no-idling fines, eh? I understand enforcement at Hunt’s Point and in California spots has been up of late, particularly when the temps are high. What hyperactive law enforcement have you seen out there lately?

  • Rick Gaskill

    Why do this when there are services that can get tickets reduced or dismissed ?
    A problem there though . Even though the ticket is dismissed the CSA 2010 points remain . These services have attornies that work with them in local courts . They have no one representing anyone with the FMCSA .

  • Todd Dills

    Good point, Rick. I think the string on the finger is a pretty good remedy, myself. RE: the CSA 2010 point — any driver who has a ticket struck down can get CSA-related information removed via identifying relevant citations in CSA 2010 data files with his/her carrier or via his/her own Pre-Employment Screening program report (at a cost of $10), then:

    He/she or his/her carrier will need to challenge to related information and provide supporting evidence that a ticket was thrown out or successfully fought via the a “challenge” in the FMCSA Dataqs system, which has a fairly new “commercial driver” user category, added earlier this year. Main site for DataQs is here:
    Registration and everything in DataQs is free. Be sure, also, to check out story upcoming in Overdrive’s October issue which details the challenge process — the story is about the Pre-Employment Screening Program.

  • Chuck Rought

    I work as a Safety Supervisor for trucking firm, and file all challenges with DataQs. The response from the states concerning violations that were dismissed, in the words of a CMVEO from Washington state: Just because a judge dismisses it, doesn’t mean it didn’t happen. CSA 2010 points assessment is based upon roadside inspection data, not how the violation was adjudicated. The findings of a court have no bearing on the violation severity points being assessed.

  • Todd Dills

    Yes, Chuck, I’d say your thoughts are in order. I think, though, that as this process goes forward, challenges can be for drivers and carriers alike ways of pointing out the inadequacies/vagaries of the system, such as they definitely do exist. It seems to me that, at the very least, adjudication in favor of the driver should at least be allowed to be put into consideration if not acted upon by states in a favorable manner. Have you had any cases at all in which court findings in favor of a trucker were sufficient to have roadside data points removed? Or not at all?

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