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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 73 of 73

#721 of 724 Re: NY License - NJ Turnpike Ticket Advice [lms1220] by qbrozen

Mar 24, 2012 (7:48 pm)

Replying to: lms1220 (Mar 24, 2012 6:29 pm)
If the points don't transfer, your insurance won't go up.

#722 of 724 When shopping around for car insurance .. by aislephive

Aug 05, 2012 (8:06 pm)

do I need to let them know of any traffic violations when they ask for them if I didn't incur any points? I was cited for using a handheld device (complete BS, btw) and failure to stay right early this year. The cell phone violation didn't come with points but the ticket for failure to stay right did. I managed to get the 2 point penalty reduced to 0 after negotiating a plea with the prosecutor (albeit at a hefty price). It would seem logical that I wouldn't have to report it since the whole point of paying a couple hundred bucks in court to have the points taken away is to not have it affect your insurance, but I can't say for sure. These online quotes don't give you any kind of option to report a moving violation that you didn't incur points on, so it assumes that any ticket that normally comes with a point penalty was indeed assessed and gets reflected in the quote you recieve.
 
I suppose what I'm asking is if it's okay to shop around for quotes under the pretense of having a 5 year good driver discount if none of my tickets hurt me point wise? I know insurance companies double check on this kind of thing anyway, I just want to be prepared when talking to different agents when I'm ready to settle on a plan. FWIW, I live in New Jersey.

#723 of 724 Re: When shopping around for car insurance .. [aislephive] by qbrozen

Aug 06, 2012 (7:06 am)

Replying to: aislephive (Aug 05, 2012 8:06 pm)
They only care about points. So as long as the end result was no points, you are good to go.

#724 of 724 To attend court or not for careless driving ticket by paulr9

Dec 27, 2012 (11:11 am)

I have a court date for a accident in october 2012 and thinking whether to go to court and talk to prosecutor for point reduction or simply pay as guilty over phone. I got careless driving 2 pointer ticket.
 
  My driving history is not that good, though my latest Driver history shows only 2 points
  from 6 incidents in last 5 years after twice 2 pointer credits "POINT CREDIT -ANNUAL SAFE DRIVING".
   Generally, If I am guilty , I go to court and ask the prosecutor to reduce the points for extra fine. Rarely, prosecutor says no to this except only once saying some thing which I didn't understand. He Said some thing like " If you get 3 times break or 3 times in 5 years you will lose your driver license" .
 
 I doesn't remember for which incident it is. As per the record last accident in July 2012 has 2 points, which I beleive he reduced from 4 points to 2 points I think.
  
 My question is whether I go to court and ask the point reduction or just pay with out going. The challenge is I need to skip the job for that day, if I have to go to court. This I want to decide based on the probability whether the prosecutor gives the break or not.
 Though my boss agreed to take a day off to compensate later, he was not happy with that, so I want to avoid court, if Idon't have the chance to reduce the point.
 
 My question what is that rule that decides whether prosecutor gives point reduction. I know they want money and we are just a number.
  
 My driving history record report doesn't say when he gave a break in points. Are there any way I can get the information.

Messages Page 73 of 73

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