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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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#70 of 672
Re: Question about Insurance! [Car_man] by qbrozen
May 02, 2005 (6:55 am)
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Replying to: Car_man (May 02, 2005 3:19 am)

yup. its right there on that same link (last line). Out of state violations are 2 points.
 
of course, the poster wasn't clear as to where he/she actually got that ticket.
#71 of 672
Re: Question about Insurance! by mshah
May 02, 2005 (7:33 am)
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Replying to: qbrozen (May 02, 2005 6:55 am)

Hi
 
Thanks so much for your help! I apologize for not specifying ... I received the ticket in PA ... so I hope that's true that I only receive 2 points, and hopefully they'll work with me to get them removed.
 
From reading prior posts, it seems that even if I get the points removed, my insurance company would still know about the moving violation. Maybe I misunderstood ... but you don't think that my premium would increase? It would maybe just be noted?
 
Thanks for your help ... I really appreciate it.
#72 of 672
Re: Question about Insurance! [mshah] by qbrozen
May 02, 2005 (9:25 am)
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Replying to: mshah (May 02, 2005 7:33 am)

well, unfortunately, as is written on that list of points/violation, ANY moving violation out-of-state means 2 points. So there is no reason to go to court unless you think you have a shot at getting it reduced to a non-moving violation.
 
And, yes, those 2 points will be on your insurance. Whether they affect it or not all depends on your insurance company.
#73 of 672
help me i have had bad luck by lvh
May 02, 2005 (4:01 pm)
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Okay, I have had the worst luck this past month.
 
First, I received a ticket for doing 40 in a 25 and I am going to court this week to try to get the 2 points dropped.
 
Well then, I received a 81 in a 55 on the GSP in Clifton on a Wed and
then a 78 in a 55 on Rt. 1 in North Brunswick on Friday! Well, now I am scared about these points, considering these are both 4 point tickets. Do u have any advice for me? Should I get a lawye?r Will the second ticket know about the first since the court dates will be days apart? Can I get away with not mentioning the first or does that stuff get processed right away?
 
Thanks!!!
#74 of 672
Re: help me i have had bad luck [lvh] by qbrozen
May 03, 2005 (6:48 am)
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Replying to: lvh (May 02, 2005 4:01 pm)

its not bad luck when you speed that much, its just laws of probability coming to bite you. You are apparently driving around 15-26 mph over the limit quite often, and that is just asking for trouble.
 
Yes, you should get a lawyer, and you should probably have him/her on speed dial.
#75 of 672
Re: Question about Insurance! [mshah] by mshah
May 04, 2005 (2:10 pm)
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Replying to: mshah (May 02, 2005 7:33 am)

Hi guys
 
Just one quick question ... I had placed a post earlier about receiving a speeding ticket in PA ... and I'm a resident of NJ. I have my court appearance tomorrow, and I am very unsure as to whether or not to plead guilty, not guily, or no contest.
 
I do want to bargain the point aspect of it if I can, but I don't know if I answered one or the other, it would hurt my chances of getting the points eliminated. I'd really appreciate someone's help.
 
Thanks!
#76 of 672
Re: Re: Question about Insurance! by Car_man HOST
May 05, 2005 (3:58 am)
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I'm not completely familiar with the court process in Pennsylvania, mshah, but in most states you will have an opportunity to speak with the prosecutor to either state your case or ask for leniency prior to going before the judge. Do not enter a plea until you have had an opportunity to speak with the prosecutor. Once you have done so, if they are willing to work with you they will reduce the offense that you have been charged with in exchange for a guilty plea.
 
Car_man
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#77 of 672
Re: Question about Insurance! [mshah] by qbrozen
May 05, 2005 (6:40 am)
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Replying to: mshah (May 04, 2005 2:10 pm)

actually, in NJ, you have to plead not guilty in order to speak to the prosecutor. I think it makes sense because you are pleading not guilty to the offense you are currently charged with so that you can plead guilty to a lesser charge. BUT, I also do not know how it works in Pennsy.
 
OK, as far as your ticket, it doesn't matter what happens in that Pennsy court. As that link given earlier shows, ANY moving violation in another state results in 2 points on your NJ license. SO, unless you can get a non-moving violation when you go to court, it will have the same effect on your NJ license if you get a 2-pointer, 4-pointer, or 12-pointer moving violation.
#78 of 672
Points Vs. Cash by rff68765
May 06, 2005 (9:23 pm)
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Hello. I'm from NJ, and recenlty got a ticket for speeding 49 in a 35, which puts me right at the top end of the 2-point bracket. It's my first points violation ever (5 years ago, I plead down a "left hand turn" violation to "unsafe driving" with no points). My choices, as I understand them, are either to pay it, or to attempt plea down to the $430+ (?) no-points fine, right?
 
My real question is, with NJM insurance (I'm 22 and male, on my mother's policy...)...will these two points have an effect on my rates? (being that I've never been involved with an accident or other traffic violation, except the one mentioned above, 5 years ago)...
 
Any advice will be greatly appreciated.
#79 of 672
Re: Points Vs. Cash [rff68765] by qbrozen
May 09, 2005 (11:53 am)
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Replying to: rff68765 (May 06, 2005 9:23 pm)

With NJM, no, it will not affect you .... UNTIL you get another violation. If you were to pick up another offense in the next 3 years, they will raise your rates and change the tier you are currently enjoying. So the way I see it with NJM, its best to not risk it and, when you can get out of points, do so because you never know when you'll get into hot water again.

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