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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
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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Replying to: bronsta (Mar 13, 2008 9:19 am) However, with respect to the point buy down, I am pretty sure you can only do that 3 times in 5 years. Also, if you exceed that you will be assessed a penalty by the DMV. I was told something to that effect by a prosecutor and I'm almost certain that those were the limits and conditions. Lastly, I believe this would apply to all moving violations (or almost all). I think you should be able to buy down your points for a failure to yield. Hopefully, you'll find a source that verify this information before you go to court so you know where you stand. Good luck. |
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Hi, Last week a NJ State Trooper gave me a ticket on the turnpike northbound because I drove through some cones in a construction zone (well before the actual construction site, but where all traffic was still being corralled into the far left lane), in order to get into the off ramp for a service plaza near Mt. Laurel. I'll spare you all the details of why this ticket was bogus and get to my question(s). I live in upstate NY. Without traffic, it is a 2.5 - 3 hour drive to the municipal court where I am supposed to appear in Mt. Laurel. I'm an independent contractor, so this means an entire day of work lost, plus travel costs (including about 50 bucks worth of gas), if I go down there. My last ticket was probably 3-4 years ago. I paid the extra fee to have the points waived. I'm guessing that for this ticket, it's probably best to spend the time and money to go down there and at least get a plea bargain (if possible) and avoid getting any points. What I've read is that the judge probably won't care about my story - as long as the officer has the facts correct, excuses won't count. But I'm also concerned about how the construction zone thing will increase the fine and points. Any advice or additional info that might be helpful would be appreciated! Thanks, Steve |
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