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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

What is this discussion about? Buying Insurance


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#532 of 672
Re: BLACK SUNDAY [qbrozen] by kemzo
Nov 05, 2007 (6:56 am)
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Replying to: qbrozen (Nov 05, 2007 6:17 am)

I'm speechless. Honestly. I have no idea why this needed mentioning or what bearing is has on the issue.
 
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.
#533 of 672
Re: BLACK SUNDAY [kemzo] by tidester HOST
Nov 05, 2007 (7:41 am)
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Replying to: kemzo (Nov 04, 2007 7:40 pm)

I was going for an Emergency Blood pick-up and it was writen on the car ...
 
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
#534 of 672
Re: BLACK SUNDAY [tidester] by fezo
Nov 05, 2007 (8:56 am)
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Replying to: tidester (Nov 05, 2007 7:41 am)

I agree with most of qbrozen's post. Dress up for court, be very nice and talk to the prosecutor. Explain the situation as you've done here and hope for the best. The odds are very good that whatever you get nailed with at the end will be less than if you pled guilty.
 
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.
#535 of 672
Re: BLACK SUNDAY [fezo] by kemzo
Nov 05, 2007 (9:29 am)
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Replying to: fezo (Nov 05, 2007 8:56 am)

Thanks fezo... It's in Woodbridge NJ, Am always nice to people naturaly and i've traveled alot. I've lived in Rome (Italy) for 10 years, i've met alot of different kind of people so i'll know how to behave. And I know that mentioning profiling is not realy nice, but in the back of our minds, it has been there and its always gonna be there. Even the Cop who stop me, was thinking i've stole that car, because he start asking me if i realy work for the state and so i show him my employee ID and he went back to his car and brought me a present of 30 miles over the speed limit even thoe i dont think i was going that fast and for the mere fact that he gave me the max fine.
#536 of 672
Drive by Progressive Insurance by kemzo
Nov 05, 2007 (9:45 am)
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Do Progressive Insurance raise your primium for having 2 points? I dont wanna call and ask them. ??? they will be suspicious???
#537 of 672
Re: Drive by Progressive Insurance [kemzo] by qbrozen
Nov 05, 2007 (10:10 am)
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Replying to: kemzo (Nov 05, 2007 9:45 am)

i don't know why people are always afraid to ask their insurance company. I mean, what do you think they will do?? They can't raise your rates because you asked them a question. They can't raise your rates because you MAY get a ticket. They will only raise your rates when the final verdict comes down the line and they reassess your policy at renewal time.
#538 of 672
Re: Drive by Progressive Insurance [qbrozen] by kemzo
Nov 05, 2007 (10:44 am)
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Replying to: qbrozen (Nov 05, 2007 10:10 am)

qbrozen.... Trust me if i was a Rep for an Insurance company, and you call and ask about that, I'll look you up or keep an eye on your Account.
#539 of 672
Re: Drive by Progressive Insurance [kemzo] by qbrozen
Nov 05, 2007 (11:27 am)
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Replying to: kemzo (Nov 05, 2007 10:44 am)

and do what?
I mean, do you think they'd overlook it if you didn't point it out to them? Heck no. They are catching it no matter what, so it really doesn't hurt to ask now.
 
It is just as if you were car shopping and wanted to compare insurance rates on different cars. It is not like they are going to start charging you extra for the cars you considered purchasing.
#540 of 672
UPDATE! by kemzo
Nov 15, 2007 (10:06 am)
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Replying to: qbrozen (Nov 05, 2007 11:27 am)

UPDATE!
I went to court today, and the possequtor reduce my point from 5 to 2 and i was so nervous that i forgot to ask for the no point option. my original offence was 85 in a 55 zone and he gave me 69 in a 55. He didn't let me explain anything, he first told me that he's gonna give me 4 instead of 5 and i almost cried and while writing he said ok I'll give you 69 in a 55. I want to enroll in a traffic school class on sunday 11/25. My question is, Is it early to enroll?, Is my Deal Good? All in All I paid $189 instead of $.240+5 points . Thanks
#541 of 672
Re: WOW [fezo] by frolet
Nov 21, 2007 (9:31 am)
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Replying to: fezo (Oct 10, 2007 7:28 am)

Follow up:
 
My court date was yesterday, I couldn't take off work, so I put in another affadavit; this time pleading guilty to the original speeding charge (w 2 pts) and explaining how the cop never mentioned the $350 additional cost of getting the pts dismissed. I logged on to the njmcdirect website today, and my amount due has been reduced from $439 to $118! $85 plus $33 court costs, much more reasonable. If my insurance rates go up, so be it. I'd rather pay the insurance company than the corrupt and wasteful NJ government...

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