No driver likes to receive traffic tickets, but many vehicle owners don't realize that you don't even need to be driving a car to get a citation. If your vehicle is pulled over, there are a few traffic tickets that you can be issued regardless of whether or not you're actually driving. This is why it's important to be careful when loaning your car to a friend - traffic tickets can cause your car insurance rates to skyrocket, so before you offer your vehicle to another person to drive, keep in mind that you might be putting yourself at risk.
For instance, if your car is in any state of disrepair, you might end up receiving the ticket, depending on your state and its driving laws. If your vehicle is missing any lights or if a police officer believes that it can't be legally operated due to mechanical issues, you might find yourself on the receiving end of one or more traffic tickets. For this reason, you should always keep your car in a legal and drivable condition. Cars will last much longer if you work on keeping them in a good state of repair, and you'll drastically reduce the cost of an accident.
The good news is that you cannot really receive traffic tickets for anything that a friend or family member does while they're driving your car, so you won't get tickets for speeding, traffic law violations, etc. This includes tickets issued by photo radar cameras. If you can prove that you weren't driving a vehicle at the time that a photo radar traffic ticket was issued, you won't see an increase in your car insurance rates and you can get out of traffic tickets by presenting this proof to a traffic court. However, remember that it can be hard to prove that you weren't driving a vehicle that gets caught by a red light traffic camera or a speed camera.
If your car insurance rates rise due to any type of traffic tickets, you can often get your premiums back down to a manageable level by contacting your insurance provider right away. Ask about any discount programs that they offer that could offset your costs. Look into defensive driving programs, which can keep a ticket from impacting your insurance premiums, and check for car insurance quotes online to make sure that you're getting the best possible deal on your auto insurance policy. Finally, always try to avoid traffic tickets before you receive them. Keep your car in good repair and only loan it to careful drivers that you can trust.