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Insurance and NJ No-Point Ticket option

724 messages,  Last post on Dec 27, 2012 at 11:11 AM

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Messages Page 70 of 73

#685 of 724 Re: 2, 2 point tickets in NJ [dbl3] by qbrozen

May 06, 2010 (6:46 pm)

Replying to: dbl3 (May 06, 2010 6:15 pm)
you are welcome

#686 of 724 Re: 2, 2 point tickets in NJ [fezo] by dbl3

May 07, 2010 (6:09 am)

Replying to: fezo (May 04, 2010 2:55 pm)
Thank you also for your posts! I finally get it. It truly didn't make sense to me before. Thank you for writing about my defense "nonmoving violation too". I looked it up and it was valid as something people do.
 
I went to lawyers.com and asked and also tried to ask about court procedures as I thought that was something I didn't understand as maybe that was tripping me up (and it was, as "the not guilty but guilty thing" like I said before), but I got nothing but snotty vague responses! Nothing about court prodecure or my defense! Between the two of you on this site and my bf and the other things I was able to look up, I finally got it. http://community.lawyers.com/forums/t/99711.aspx

#687 of 724 NJM renewal questions with speeding ticket 52/35 by tdl2

May 18, 2010 (10:59 am)

I hope I could find this discussion earlier. Back in 2008, I ran into the car-rail on the ramp to turnpike without any other car involvement. The police came and filed a report with no ticket or warning. In 2009 I got a ticket for not having my car inspected (prior inspection just expired the prior month and I forgot to do it on time). Then in late 2009, I got a speeding ticket for driving 52mph on 35mph zone with 4 points and $130 fine. I paid the fine without considering going to the court to plea non-guilty. Then I had an online driving class in order to reduce it to 2 pts.
Now my 2010 NJM renewal form came and I need to write my speeding ticket on the form where it's asking for any moving violations within 3 yrs. Would they find out anyway if I don't write anything? I don't want to be kicked out to NJRe and have premium go up way too high. Their current year flyer comes with the renewal package says that they will waive a violation of 2pt or less. For my case, would they consider it to be 4pts or 2pts (since I had the driving class)? Would they also find out the outdated inspection ticket and police report in 2008?
Thanks for any answers.

#688 of 724 Re: NJM renewal questions with speeding ticket 52/35 [tdl2] by qbrozen

May 18, 2010 (11:44 am)

Replying to: tdl2 (May 18, 2010 10:59 am)
The no inspection is not a moving violation, so they don't care about that.
 
What you did not mention was whether or not you filed an insurance claim for the guardrail incident. If NJM had to pay out to fix your car for that incident AND you have the 4-point ticket (yes, it is still 4 points as far as they are concerned), then I am afraid you may be in trouble here.
 
And, no, not writing it down won't help at all. I'm not even sure why they ask you to write it down, as they will just pull your report anyway.
 
If you did not file a claim on the guard rail incident, then you only have the 4-point ticket. I don't believe they will boot you for that alone.

#689 of 724 Re: NJM renewal questions with speeding ticket 52/35 [qbrozen] by tdl2

May 20, 2010 (6:14 am)

Replying to: qbrozen (May 18, 2010 11:44 am)
gbrozen, thanks a lot for your thoughts. I didn't have collision coverage at the time of the guardrail incident, so I just fixed the car by myself, no claim filed. I will update when I hear back from them how my renewal rate will be. Thanks again.

#690 of 724 4 point ticket on Route 1 by precede240

May 29, 2010 (7:57 am)

Hi everyone,
 
I recently started driving on the highway (rt. 1 is basically a highway to me lol) in order to get to my internship everyday. Of course my inexperienced self would go over the speed limit to pass the car next to me in order to get to an exit near a construction zone, and get a 60 at 40 speeding ticket.
This is my second offense. My last offense was also a 15mph over the limit at a suburban street. I went to court and paid off all my points (around $400, but I figured it was better than increasing the insurance). I swore that I'd never get a ticket again and have been following speed limits very well. It's too bad I suck at highways, but I've learned my lesson and definitely will be more careful next time.
 
My questions are as follows:
1) I'm a bit confused about the plea bargain. As I understand, I call in and plead not guilty, get a court date, beg the prosecutor to reduce my ticket and pay off the points if I can. Is that correct? Can I still do this for a second offense?
2) If what I understood in #1 is right, by calling in not guilty, is that just calling the office and telling them I want to go to the date written on the ticket?
3) If the prosecutor does not reduce my ticket, can I still pay off everything like last time?
4) Are my options looking grim? Should I just call a lawyer?
 
Thanks in advance!

#691 of 724 Re: 4 point ticket on Route 1 [precede240] by qbrozen

May 31, 2010 (10:50 am)

Replying to: precede240 (May 29, 2010 7:57 am)
1. I don't know what the rules are for this. Probably depends on how long its been, etc. Can't hurt to try.
2. yes
3. Not sure what you mean here. If he doesn't reduce it, you owe the same fine printed on the ticket PLUS court costs. Chances are, since you showed up and pled not guilty, he'll do SOMETHING to give you a break. Even if it is giving you something with 2 points instead of 4.
4. I wouldn't pay for a lawyer since you have 0 points now. If you already had points and were looking at more points, then yes. But try to avoid having that happen!

#692 of 724 Re: 4 point ticket on Route 1 [qbrozen] by precede240

Jun 28, 2010 (4:45 pm)

Replying to: qbrozen (May 31, 2010 10:50 am)
Sorry for replying so late, but thank you for all your advice! Hopefully it goes well (and it never happens again lol)

Messages Page 70 of 73

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