Impact of Traffic Tickets on Low Income Motorists

A recent Princeton University study (Click here to view the study) entitled “Speed Trap or Poverty Trap” was conducted on the impact of traffic tickets on lower income motorists. The results were significant, and they indicated that being charged with a traffic violation can be devastating to the bottom line of poorer drivers. The study took into account the obvious fines and increases in insurance premiums. Also noted was that subsequent to receiving a traffic citation there was a higher rate of delinquencies and less ability to borrow.

The analysis was limited to the State of Florida. After reading the paper I can say with a high degree of certainty that this applies with equal measure to New York. Our state is on average one of the highest for fines on moving violations and insurance rates in the United States.

However, the 2020 Bail Reform helped in this regard. Now, motorists in New York State cannot be suspended for failure to pay fines. There are many exceptions, and this is not always followed by the courts. However, this is a step in the right direction for poor motorists.