If you receive a traffic ticket, you have several options. You can pay the fine, which usually means accepting the charge and the associated penalties, such as demerit points on your driving record. Alternatively, you can contest the ticket by pleading not guilty and requesting a court date. It's often advisable to consult with a legal professional who can help you understand your options and potential defences.

Yes, a traffic ticket can impact your insurance rates. Most insurance companies will increase your premiums if you have traffic violations on your record, as they view them as indicators of risky driving behaviour. The extent of the increase depends on the severity of the offence and your overall driving history. Successfully fighting a ticket can help you avoid these rate hikes.

Yes, you can still fight a traffic ticket even if you believe you’re guilty of the offence. There may be legal defences or procedural errors that can result in a reduction of charges, dismissal of the ticket, or lower fines and penalties. Consulting with a legal expert can help you determine the best approach to contesting the ticket and potentially minimizing its impact on your record and finances.