In Massachusetts, almost all moving violations are characterized as "surchargeable events." With a moving violation, if it is surchargeable, your insurance company has the right to surcharge your insurance. What that amounts to is an increase of approximately 10% of your premium per year for 3 to 6 years.

In Massachusetts, a speeding ticket is a civil offense. Unlike criminal offenses, it is not mandatory to appear in court. You have the choice to either accept responsibility and pay the ticket, or appeal the ticket and fight it.