Increased Insurance Premiums:  Points on your driving record make you a higher-risk driver in the eyes of insurance companies. In Michigan, even a minor traffic violation can lead to significant increases in your insurance premiums. These higher rates can last for several years, potentially costing you hundreds or even thousands of dollars over time. Paying the fine might seem cheaper now, but the long-term financial impact can be substantial.

Potential License Suspension:  If you accumulate too many points, your license can be suspended, which can severely disrupt your life. A suspended license can make it difficult to commute to work, attend school, or manage daily responsibilities. Getting your license reinstated often involves additional costs, such as reinstatement fees, attending a hearing, and possibly completing a driver improvement course.

Permanent Mark on Your Record: Paying the fine and accepting the points on your license means that the violation will stay on your driving record for years. This can affect your employment opportunities, particularly if your job requires a clean driving record, and it can also make it difficult to obtain affordable auto insurance in the future. The long-term consequences of a traffic conviction can be far-reaching.