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Insurance and NJ No-Point Ticket option

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#695 of 724 Question about Ticket by davidhoudek

Jul 08, 2010 (12:14 pm)

I was in Newark leaving UMDNJ and I was pulled over and the officer said I was doing 44 in a 25, never knew the speed limit was 25... Regardless, I got the letter that the charge was $105.00, and I was ok, I can do that, but I don't want points. I scheduled a court date for next Wednesday. I have a New York drivers license, should I just pay the $105.00 and be done with it, but not sure if I will get the points and that is my concern. I don't know how much the charge will be if I plead not guilty with no points.. Can anyone give me any answers?????????

#696 of 724 Re: Question about Ticket [davidhoudek] by qbrozen

Jul 08, 2010 (1:58 pm)

Replying to: davidhoudek (Jul 08, 2010 12:14 pm)
I can't tell you if the points will transfer, as that is up to your state.
 
To go to court and get the no points I think will cost you over $300.

#697 of 724 Careless driving ticket with prior offense & NJ insurance rates by valent2

Jul 22, 2010 (1:43 pm)

I have a question concerning my recent careless driving ticket in NJ. This involved another car but just scratches on both cars. The other driver doesn't want to file a claim either since he is under a high insurance bracket. I am due to appear in court to plead not guilty in about a week (the police officer determined I am at fault), in hopes that I can get a plea bargain for no points or a lesser offense. Which lesser offense is forgivable by insurance companies?
 
My main concern here is that I may be getting 2 points for this offense. My DMV record is clean, however, just 5 years and 5 months ago I was involved in a single car accident which resulted in me filing a claim to repair my car. I also received a ticket for that, but I paid for the no-point ticket. However, I received 5 points on my insurance record. For whatever reason, it is still listed in the insurance abstract that was included in my most recent renewal form. It has passed the 3-5 year mark which I believe at which point most insurance companies no longer consider in calculating your current rates. Is it still supposed to show up in the abstract then?
 
I am not in the financial position to pay for a second no-point ticket this time around ($500 or more). If I absolutely have to in order to avoid points on my DMV record and increased insurance rates, I will do it. What are my other options?
 
My insurance is with the Fireman's Fund, but I have called several times to find out if a 2 point moving violation is forgivable, as some insurance companies will do, but I keep getting the answer that it is on a case by case basis. Does anyone know? I am no longer in the high risk insured category as I am 29.
 
I am willing to take a defensive driving course to knock down the 2 points, but I am not sure what will happen given my prior accident. I have been looking for answers, but have not found anything, so if anyone has an answer, I will appreciate your time in answering me!

#698 of 724 Re: Careless driving ticket with prior offense & NJ insurance rates [valent2] by qbrozen

Jul 25, 2010 (12:56 pm)

Replying to: valent2 (Jul 22, 2010 1:43 pm)
I can't tell you anything about that insurance company, and that's the info you really need here. Did you try asking your ins company why the accident from over 5 years ago is still there?
 
What I want to say, however, is that the defensive driving course takes point off your license, but NOT your insurance. Will they give you a discount for taking the course? maybe. Again, that's a question for them. But that's a separate issue from insurance points.

#699 of 724 Re: Careless Driving [benofstate]--Pleading speeding down by whitall

Nov 23, 2010 (3:29 pm)

Replying to: benofstate (Apr 27, 2010 7:03 pm)
Whatever happened? DId you go to court? My kid got a speeding ticket for 14 over, even though he was doing 83. The cop wrote the numbers 83 and 2 and circled them on the ticket, but checked the box for 5-14 over and speeding. He told my son it's no points, but that makes no sense. I wonder what that 83 means to the prosecutor? Is it code so he knows it was really 83 (more than 15 over) and not to plead it lower. The ticket for 83 would be 4 points, so I think the 2 represents a 2 point ticket.
 
It's his first moving ticket. He has provisional license even though he'd 19. He was lazy and never got it officially changed. The rule now is that prov license holder can't plead, but he'll have it changed over by court date, so he can answer that he doesn't have provisional when he is asked (unless they ask what he had on day of violation) He can also play dumb and say that he's 19. He can act like he didn't know he had to go to DMV to change it.
 
Mainly question is about the 83 in a circle and his chances of pleading down to no points. Wonder if he can be guilty on the speeding but pay off the points....not clear on how it works.

#700 of 724 Re: Careless Driving [benofstate]--Pleading speeding down [whitall] by qbrozen

Nov 23, 2010 (6:03 pm)

Replying to: whitall (Nov 23, 2010 3:29 pm)
Sounds like you have it figured out. He cut your son a break by marking 14 over, which is indeed 2 points. For driving 83, with a provisional license, he should consider himself lucky to have just a 2-point ticket. Pay it, live with it, learn from it.

#701 of 724 Careless driving accident, need help!! by k_anil

Mar 15, 2011 (10:27 am)

My wife got into an accident in Oldbridge NJ, someone hit her car front bumper when she is merging from another road which has an yield sign. The police officer gave her the ticket with careless driving and appearence in the court. No one was injured, the car was damaged which was repaired, other car also got little damage and my insurance company is paying for them as far as I know.
We went to court today and pleaded not guilty thinking to reduce the points, ($81 fine, $250 to reduce two points) the prosecutor told that they need another party to be heard before finalizing. Did we did a mistake of pleading not guilty, what are my options going next time to court? can we plede guilty next time when other party comes to court? what will happen next, please help.

#702 of 724 3 tickets in one pull, 2 for failure to signal by sandayman12

Mar 29, 2011 (2:39 pm)

I was pulled over last weekend (Saturday) at 7:30 AM by a cop in an unmarked car and was given 3 tickets. One was for failure to stop and two for failure to signal at a turn.
 
What happened was that I got out of the holland tunnel from NYC and crossed over to a one way street. I took a left turn at another one way street, at which I probably didn't signal the turn and most likely did a california rollover through the stop sign. I proceeded to the next junction which was a T-junction onto a main street with a stop sign for me, and turned without signalling. (This junction is a no left turn during business hours). I was pulled over by the cop soon after and given the three tickets. This was early in the morning, there was no traffic in the streets or any pedestrians.
 
This is in Jersey City,NJ and i looked up, this all adds up to 6 points, which'll add an additional surcharge by the DMV and I think jack up my insurance rate.
 
I was wondering what would be the best way to minimize the impact (fine/points/insurance).
 
Thanks,
Max

#703 of 724 Re: Careless driving accident, need help!! [k_anil] by joepal3

Jun 11, 2011 (12:45 pm)

Replying to: k_anil (Mar 15, 2011 10:27 am)
Hello,
 
I actually am in the same situation in the town of East Brunswick. I'm curious what happened with your case. Did the other party have to be there when you went back to court? Did you plead not guilty? I'm not sure what to do and my court date is this Monday. Any advice would be appreciated.
 
Regards,
Joe

#704 of 724 Re: Careless driving accident, need help!! [joepal3] by k_anil

Jun 12, 2011 (6:06 am)

Replying to: joepal3 (Jun 11, 2011 12:45 pm)
No, the third party is not required to be attended.
 
We admit no fault, the procecutor said that he will take two points and we pay more fine, we agreed and the case is closed.

Messages Page 71 of 73

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