The only thing that this article shows is that the policemen are not showing up in court enough of the time. That is why AAA says that the system is broken. Insurance companies have nothing to gain from people breaking any laws. The more people that break traffic laws the more chances that there are costly accidents for the insurance companies to pay off on. Since there are dozens of reports that show that the people that break the most laws have the most accidents, if the people that are breaking the laws are not paying more for insurance then everyone else is paying for their increased risks.