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Insurance and NJ No-Point Ticket option

671 messages,  Last post on Nov 10, 2009 at 8:58 AM

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#51 of 671 Re: You can plead down from 4 points to 0 [smitty76] by luxin119 Apr 20, 2005 (12:26 pm)
Replying to: smitty76 (Apr 20, 2005 11:30 am) wooo, really? smitty76, could you please tell me how did you bargin with them? i got 2 tickets on 3/22, one for doing 87 in a 55 zone ( i thought it was a 65zone) and the other one for careless driving (was nervous when the police asked me to pull over, while i was cutting the lane, went to close to another car). I think i will get 7 points and $325 fine. This is my first time to get a ticket, and i got 7 points...i just couldn't believe it. I definitely will not speed anymore. What should i do to plea the points down?? It is just too much for me as a first time. so scary...Please help me~ Replies to this message: luxin119 (Apr 21, 2005 10:50 am)
#52 of 671 Re: You can plead down from 4 points to 0 [luxin119] by luxin119 Apr 21, 2005 (10:50 am)
Replying to: luxin119 (Apr 20, 2005 12:26 pm) Can anyone help me? What should I say to the prosecutor that i wanna plea bargin? I don't think i just just say "emm, i wanna plea bargain my 7 points to be 4 points!!" right? By the way i was in Totowa, NJ. Any advise will be appreciated...
#53 of 671 what r my chances of getting 2 points to 0? by njdriver33 Apr 24, 2005 (9:54 pm)
here's the story...i got a ticket for going 35 in a 25 which is two-points however, i was driving my friends car because he was sick...we r both 18 years old and have clean records...the officer told us to go to court and plead "not guilty"...how r my chances on getting the points taken away and wut kind of fine am i looking at....thank u in advance to any1 who replies to this Replies to this message: qbrozen (Apr 25, 2005 6:48 am)
#54 of 671 Re: what r my chances of getting 2 points to 0? [njdriver33] by qbrozen Apr 25, 2005 (6:48 am)
Replying to: njdriver33 (Apr 24, 2005 9:54 pm) seems like you should be in pretty good shape since your speed wasn't that excessive (although they do frown more upon speeding in a 25 than a 55). I wouldn't worry too much about a fine. Points are what you need to worry about. Even if they were to charge you $500 (which won't happen), its worth it if it means zero points. The actual amount of the fine depends on what they reduce your ticket to. They could go with that "failure to produce documentation" thing, which they raised, I believe, to $160 last year. Its a real money-maker for them.
#55 of 671 Car Insurance Points???? by simplesweetchi Apr 27, 2005 (8:34 am)
I am paying out the butt for Car insurance. I couldn't understand it because I have a clean drivers license. NO POINTS!!!! SO i have been bouncing around from company to company trying to find a cheap rate. So here's my background. I have had my license 8 years. No accidents no points. I was suspended 3 yrs ago for 2 months for parking tickets. During which i had dropped my car insurance because I couldn't use my car. I recently signed on with geico and told me i had INSURANCE points...What the heck is that??? Evidently when i canceled my policy it made me incur insurance points because my car was still registered. I was also told by Geico that this stays on my record for 10 YEARS!!!!! IS this legal??? How is this possible??? Does anybody know anything about this???? Replies to this message: qbrozen (Apr 27, 2005 9:19 am)
#56 of 671 Re: Car Insurance Points???? [simplesweetchi] by qbrozen Apr 27, 2005 (9:19 am)
Replying to: simplesweetchi (Apr 27, 2005 8:34 am) I can't say I'm surprised, but 10 years seems excessive. do they have a sliding scale? I know my insurance company counts insurance points for 3 years, then slides the rates back till the 5-year mark, then slides them each year till, I believe, around year 8. Mind you, NO new points can be incurred during that time, or you start all over again.
#57 of 671 Ins points are just another way by cadillacmike Apr 27, 2005 (10:29 am)
they increase what they are stealing, oops, taking, out of your pocket   No wonder most people hate ins companies almost as much as they hate lawyers, banks & the IRS   some states don't allow this BS, but in the overregulated overly liberal northeast, this is the norm. You should move here to FL where an estimated 33% of the drivers have no insurance. I can verify that because some dope with no ins rear-ended me a few years back Replies to this message: qbrozen (Apr 27, 2005 11:58 am)
#58 of 671 Re: Ins points are just another way [cadillacmike] by qbrozen Apr 27, 2005 (11:58 am)
Replying to: cadillacmike (Apr 27, 2005 10:29 am) Funny you should say that. Yes, in the case of these points staying on your insurance for so long, I believe we can blame the insurance companies. BUT, interestingly (or aggravatingly) enough, insurance SURCHARGES are actually charged by the state! I didn't know this until about 5 years ago or so when I received a bill stating that I had to send money to Trenton for this so-called insurance surcharge. I called to inquire what this was about. Again, they explained it as an insurance surcharge. When I asked why the bill didn't come from my insurance company, I was told because my insurance company is not the one charging me, but the state is!! Needless to say, I tore into this poor woman who had absolutely nothing to do with creating these ridiculous rules. So.... short of it is .... the insurance surcharge in NJ has absolutely NOTHING to do with insurance.
#59 of 671 First speeding ticket!! And panicking!! by jewelz129 Apr 27, 2005 (6:04 pm)
I recently got my first speeding ticket.. for doing 39 in a 25 . I hear that with the plead no points rule, i can lower my 2 pts down to 0 pts. Is this 100% guaranteed? How much will I end up paying?   Also, if I do get it lowered to 0 pts, will my insurance company find out? And increase my premium? And will my speed violation remain on my driving record?   Thank you so much for all your help everyone!   ~worried Replies to this message: qbrozen (Apr 28, 2005 6:53 am)
#60 of 671 Re: First speeding ticket!! And panicking!! [jewelz129] by qbrozen Apr 28, 2005 (6:53 am)
Replying to: jewelz129 (Apr 27, 2005 6:04 pm) Just FYI, if you live in Jersey, 14 mph over is a 4-point ticket.   Nothing in life is guaranteed.   If you get points, yes, your insurance company will most definitely find out, yes, it will most definitely remain on your driving record, but will it increase your premium? All depends on the insurance company's rules.

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