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Insurance and NJ No-Point Ticket option

672 messages,  Last post on Nov 27, 2009 at 10:38 PM

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#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...
#542 of 672
Re: WOW [frolet] by fezo
Nov 21, 2007 (10:44 am)
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Replying to: frolet (Nov 21, 2007 9:31 am)

What if it's a corrupt and wasteful insurance company?
 
Hey, go with what works for you. Maybe the insurance company offers a cheap defensive driving course to keep the points away. Never hurts to ask.
#543 of 672
I have a careless driving ticket back from August by sashaa
Dec 08, 2007 (5:02 pm)
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Replying to: jean1206 (Jul 27, 2006 1:50 pm)

I am NY driver who received a ticket in NJ. I have already gone to court twice. Prosecutor is not willing to reduce it to a no-point violation. First time the cop showed up but they reschedule it to come two weeks ago. The second time cop didn't show up, and contrary to popular believe that my ticket will be automatically cut off, they reschedule it again two weeks later. Interestingly, I spoke again to prosecutor, but he is still adamant guy, and wasn't willing to help in any way.
 
So my next trip to court is in 3 days, and I am not willing to hire an attorney, any last minute tips would be appreciated.
---
Here is my original mail, written back in August regarding my violation:
 
I received a ticket today for "careless driving" in NJ. I was going maybe a little over 65 (in a 65 zone), and a cop pulled me over. He asked if I knew why I was I pulled. I replied, "not really, please explain." He said that I was going over 65, and he had detected it on his radar. I explained that, I didn't think he was correct, because I had not remembered seeing it and was going with a flow (even though those are speculations, I'm fairly convinced about my speed at the time). He took my license and registration and went to write a ticket. When he returned, he said that he didn't want me to get 4 points and wrote me a ticket for careless driving. I have a suspicion that the radar didn't register me to begin with. I just got very unlucky.
 
I don't agree with the ticket nor violation in general, and feel the right way is to fight it in court. It is actually my first driving violation, not sure if it matters here.
 
P.S. later in court I found out that that he registered 82 on the radar....
 
Please suggest what is the best course of action.
 
Thank you all for your help.
#544 of 672
Re: I have a careless driving ticket back from August [sashaa] by qbrozen
Dec 10, 2007 (7:14 am)
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Replying to: sashaa (Dec 08, 2007 5:02 pm)

This last little bit has me really confused... "later in court I found out that that he registered 82 on the radar."
 
What do you mean by this?? Does it not say so on your ticket? I've never heard a story like this before. I don't see how they can state this if it is not on your ticket.
 
Why are you so worried about the 2 points anyway? You're wasting all this time and energy and you will pay more money than the original ticket ... all for what? Will NY even recognize the points? I think this has been answered here before, and I think the answer was no.
#545 of 672
Re: I have a careless driving ticket back from August [qbrozen] by sashaa
Dec 10, 2007 (8:07 am)
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Replying to: qbrozen (Dec 10, 2007 7:14 am)

well, on the ticket is says that voilation is for careless driving and check-boxed as speeding.
 
The thing is I am still have NY license and my car is registered in NY, but I'll be moving to NJ next month and curious how will that affect me.
 
You're certainly right about wasting money and time....

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