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Smart Shopper Insurance and NJ No-Point Ticket option
672 messages, Last post on Nov 27, 2009 at 10:38 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: frolet (Oct 10, 2007 5:08 am) I'll hate myself for asking, but were you really only going 7 over the limit? If so the cop is more of a problem than I've originally stated.
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I got 2 tickets, one in '05 for speeding and one in 06 for a fender bender. I pleaded both down to 'unsafe driving' which had the fines from hell, but no points. I just got married and was calling both of our insurance companies to see who would offer the better rate. When I called her company they said they were picking up these tickets in their system so my premiums would be sky high. I then noticed that my premiums with my company just went up and when I called and asked they said they just picked up on the tickets. My questions: How after a year since the second ticket is my company just picking up on it? I thought by pleading it down to unsafe for 0 points that I would not receive a surcharge on my insurance?? Any help would be greatly appreciated!
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Replying to: mgags23 (Oct 19, 2007 4:48 pm) As far as when the premiums went up, insurance companies usually don't take note of tickets until renewal time when they run a check on your license again. So if you get a ticket, let's say April 1st, that you then need to go to court for 45 days later and may post to your license another couple of weeks after that ... but you renew your insurance May 20th, they have not seen that ticket yet because it hasn't posted to your license. They won't see it till the following May 20th when renewal time comes around again. |
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I was pulled over by a cop in the parkway (woodbridge Area)NJ on 10/28, I was going for an Emergency Blood pick-up and it was writen on the car also (EMERGENCY BLOOD PICKUP) and he said his radar clocked me while i was passing a truck on the left lane at 85 on 55 road and this truck was in the left lane and i was in the middle lane, he immedietly switch to the middle lane and slooow down and i was a fool to try to pass him on the left lane (I bellive the truck had a radar detector). He gave me 30 over the speed limit and i was so polite to him (5points?) . my driving record is clean, never been pull over before, and i dont have any points. My Question is... what will be the best thing to do? I also spoke to a lawyer at plea bargain.com that wants $425? (maybe he's only going to ask for a plea deal) I dont have alot of money, even thoe the lawyer offered to split the payments. Can i go to court by myself? (mind you am black) or do you know of a cheaper method?. Thanks... Am asking all this because this is my first time... thanks another thing...... The cop was advicing me to make the payment online and that i dont have to go to court. And if i dicide to pay the lawyer, the ticket, and the court cost, do i have to pay surcharge? can a 5 point affect my Auto Insurance? And also I just renew Insurance for another 6 months. thanks... |
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| Can a five pointer brought to zero? 240+250+30? or reduce it to 2 points and go to traffic school for the remaining 2? how can I request for a traffic school? And last if they only reduce 5 points to 2, do i still have to pay the $250 surcharge. | |
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Replying to: kemzo (Nov 04, 2007 7:40 pm) I'm speechless. Honestly. I have no idea why this needed mentioning or what bearing is has on the issue. But, moving on, as for the cost/points problem, I would dress in my best suit, get ready to be as cordial as possible, and go to court. Plead not guilty and speak with the prosecutor. Explain, nicely, your duties in the blood biz. MAYBE you'll get zero points and pay a heck of a big fine, or, and this may not be the worst case, get a 2-point unsafe driving offense. Pay a much smaller fine. Then find a state-supported driver's ed course that you can take one saturday. You'll get a certificate once complete and you can mail a copy to your insurance company. If you truly have a clean driving record all this time, I'm sure your insurance company will be nice to you. Mind you, a driving course does NOT remove points from your insurance record, only your license record. So, in the end, you will have 0 points as far as the state is concerned, but you will have 2 points for the next 3 years as far as your insurance company is concerned. the state only charges a surcharge when you surpass 4 points on your license.
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Replying to: qbrozen (Nov 05, 2007 6:17 am) Thanks for your reply.... Well it's profiling... Even thoe I've never had any issues with the law or ever had a bad record on my driving, some bellive that we are the same. The day they gave me the ticket, was SUNDAY  8:00AM and i was already out working. So i dont need a lawyer for this first offens right? Cos i dont have a lot of money and am expecting my first baby boy at anytime this month. I can't sleep at night for this.
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Replying to: kemzo (Nov 04, 2007 7:40 pm) I'm not sure that would be a viable defense. If it were an emergency then you (or your organization) could have called ahead for a police escort. It may help you only to the extent that the jurisdiction may want to avoid a public relations embarrassment. tidester, host SUVs and Smart Shopper
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Replying to: tidester (Nov 05, 2007 7:41 am) Where I part company a little with q is the race issue. While I believe that there are a lot of jurisdictions where it won't matter I don't know enough about where you were stopped to make a judgment. Even not knowing that my basic advice stays the same. Dress nice, be polite, be straightforward that you would like to plead to a non-moving violation. I know there have been some profiling issues on the toll roads in NJ but you are now moving over to the court which is a different story. Let us know how it turns out.
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Replying to: fezo (Nov 05, 2007 8:56 am) |
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