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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
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I was advised by a prosecutor that I can only "buy down" my tickets to zero points three times in 5 years. Like an idiot, I've exceeded that already and plan to appear in traffic court tomorrow for another moving violation (failure to stop). My question is whether the three times applies only to speeding tickets or all moving violations??? Any help would be greatly appreciated.
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Replying to: andsnyder (Jan 27, 2008 1:33 pm) In any case, you still might get a lesser violation. Can't hurt to try. And, of course, you'll drive safer from now on. 
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my daughter was involved in a hit and run accident in September. The other driver, in a new lexus, made an illegal Left turn in front of my daughter's car. She was unable to stop and hit the lexus. The driver drove away. In November my daughter received a notice from NJ It stated she was driving without insurance the day of the accident (even tho the insurance paid to get the car fixed along with a rental car) They also stated her license and registration would be suspended. She called her insurance co-they sent a copy of proof of insurance. In december she received notice from Nj-her license and reg was suspended and she would have to send $250.00 to restore them. She sent them a check. A few weeks later my daughter received her check back and a letter stating they made a mistake. My daughter thinking she did not have a license almost lost her job because she had to find another way to work- talk about unfair.
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Replying to: nj2pa2nc (Jan 28, 2008 11:39 am) That has to be a first - a bureaucracy admitting error? I’m glad you got that straightened out! tidester, host SUVs and Smart Shopper |
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Hello again people, i recieved a careless driving ticket in july for 2 points. i went to court and got the no point ticket option plus the 450 in total fines and the 2 points taken away. my question is, can the insurance company then still surcharge me even though i got the 2 points taken off of the record and without anyother points on my record? Let me know Ed 
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Replying to: niceg6 (Feb 27, 2008 4:05 pm)
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Replying to: andsnyder (Feb 27, 2008 11:13 am) The whole point of ducking the points is to keep your insurance rates from going through the roof. If they were going to go up anyway why would you bother with two points? One year of ticket free driving can erase those. It's the insurance costs that take time to go away. |
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Replying to: nsingh (Jan 02, 2008 11:30 am) I'm curious to know which offenses may be reduced. The specific offense I'm interested in is NJ 39:4-92 (Failure to Yield) - it's a 2 point offense. Also, does anyone know if insurance points are automatically assessed for an "at fault" accident in NJ? How many?
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Is anyone familiar with the NJ "buy-down" / "point reduction" system related to traffic tickets? As I understand it, you can request from the prosecutor that he/she reduce certain traffic violations to lesser offenses (but pay for this point reduction). It's basically used to avoid points on your license for insurance purposes. Is there a specific set of offenses related to this system? The specific offense I'm interested in is NJ 39:4-92 (Failure to Yield) - it's a 2 point offense. Also, does anyone know if insurance points are automatically assessed for an "at fault" accident in NJ? How many?
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Replying to: bronsta (Mar 13, 2008 9:30 am) But to my surprise, the prosecutor was in good mood and converted my ticket to obstruction of traffic 39:4-67 (no point ticket) with a fine of $50+ court fee 59.So I got away with no points and $89. It totally depends on the prosecutor. |
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