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Insurance and NJ No-Point Ticket option

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#56 of 672 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 672 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 672 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 672 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 672 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.
#61 of 672 2 tickets, not sure of pts and ability to plea by ali_b Apr 28, 2005 (7:27 pm)
I recently got 2 tickets on Rt1 in North Brunswick on 4/09/05 and Ive already filed my not guilty plea with the court clerk there.   The first ticket is 80 in a 55 (Safe Zone) I was observing local traffic patterns, and still going slower than many other drivers on the road. I wasnt going that fast, but I dont know how to prove it. Also, the Officer followed me in my blind spot for over 2 miles before he pulled me over, ignoring other drviers speeding past us on the right in favour of pursuing me. When I slowed down to let him pass (cuz I couldnt tell it was a cop- just some shadowy car in my blind spot) he slowed down as well, and when I tried to speed up to get over to the right myself, he would match my speed in my blind spot. I dont feel targeted, but I do feel that this was very unprofessional behavior esp considering he allowed other offenders traveling far faster than both of us to pass on the right. I have a witness in the car who could attest to these facts. Do I need to bring the witness to court with me? or can I just get a notarized letter from them?   Whats confusing is that the Statute violated on the Ticket is 4-98 which is only a 2pt violation, though it should have been statute 4-99 a 4 pt ticket (given my speed). Where does the Safe Corridor fine kick in? Will this be a 4pt or 2 pt ticket according to the miswritten statute? And how will the Safe Zone nature of the road section affect my ability to plead down to a no point offense?   The second ticket is Failure to Observe Signal (the light was yellow, he says it was red), and again I have a witness who can attest to that.   Advice? how should I proceed gathering information to tackle the tickets. I really cant afford any points. Though I have a clean driving record, I recently moved to NJ from NY and the insurance companies here are treating me like Im a 17 year old driver. Im paying more than $4000 a year for just me with no points. Id appreciate any help you could offer!! thank you thank you!! Replies to this message: qbrozen (Apr 29, 2005 6:23 am) jewelz129 (Apr 29, 2005 10:00 am) qbrozen (Apr 29, 2005 10:49 am) qbrozen (Apr 29, 2005 10:53 am)
#62 of 672 Re: 2 tickets, not sure of pts and ability to plea [ali_b] by qbrozen Apr 29, 2005 (6:23 am)
Replying to: ali_b (Apr 28, 2005 7:27 pm) i don't know about these statute numbers, but, unless things have changed, the scale is usually based on how much over the speed limit you were travelling. Speeding is speeding, but the points can vary based on how excessive. Its been a few years since I received a ticket, but how it used to work is 1-9 mph over is 2 pts, 10-19 is 4, and 20+ is 5 and mandatory court appearance (if i'm remembering correctly). the safe corridor laws doubles fines in those areas. Replies to this message: jewelz129 (Apr 29, 2005 10:00 am) qbrozen (Apr 29, 2005 10:49 am)
#63 of 672 Re: 2 tickets, not sure of pts and ability to plea [qbrozen] by jewelz129 Apr 29, 2005 (10:00 am)
Replying to: qbrozen (Apr 29, 2005 6:23 am) Actually I've looked up on the NJ DMV site, and 1-14mph over speed limit is 2 pts. Replies to this message: qbrozen (Apr 29, 2005 10:49 am)
#64 of 672 Re: 2 tickets, not sure of pts and ability to plea [jewelz129] by qbrozen Apr 29, 2005 (10:49 am)
Replying to: jewelz129 (Apr 29, 2005 10:00 am) hey, cool. you're right. And 5 points doesn't happen till 30 mph over. I can start driving faster! lol.   and now i see what the last poster was talking about in regards to the statute numbers.   for anyone else interested, here is the direct link: http://www.state.nj.us/mvc/cit_violations/d_vp_pnf.html
#65 of 672 Re: 2 tickets, not sure of pts and ability to plea [ali_b] by qbrozen Apr 29, 2005 (10:53 am)
Replying to: ali_b (Apr 28, 2005 7:27 pm) so, based on those last couple of messages, I don't know what you should do. I mean, if they count it as 2 points and charge you as such, maybe you should cut your losses and pay the fine as is. I mean, bringing it to the attention of the court may just result in them "giving" you a plea bargain of 2-points. Maybe just call a lawyer and see if they'll give you advice over the phone? Because, heck, who knows? Maybe an error like that means the whole thing is thrown out?

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