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Insurance and NJ No-Point Ticket option

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Comments

  • nj2pa2ncnj2pa2nc Member Posts: 811
    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.
  • tidestertidester Member Posts: 10,059
    a letter stating they made a mistake

    That has to be a first - a bureaucracy admitting error? I’m glad you got that straightened out!

    tidester, host
    SUVs and Smart Shopper
  • andsnyderandsnyder Member Posts: 4
    I don't think they can. It's my understanding that that is the point of going to court, pleading to a lesser offense, and paying those outrageous costs - to avoid the inflated insurance costs.
  • niceg6niceg6 Member Posts: 3
    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 :mad:
  • fezofezo Member Posts: 10,386
    I'm with you!

    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.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • bronstabronsta Member Posts: 6
    Is this "buy-down" / "point reduction" system documented anywhere?
    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?
  • bronstabronsta Member Posts: 6
    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?
  • nsinghnsingh Member Posts: 2
    Yes, It totally depends upon the prosecutor. I went to court last week in Carteret for 39:4-144 (failure to stop or yield) 2 point ticket.After reading the blogs I was sure of being asked to pay $400 surcharge to get rid of two points.
    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.
  • andsnyderandsnyder Member Posts: 4
    I'm not sure about your insurance question.

    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.
  • steve54bsteve54b Member Posts: 3
    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
  • andsnyderandsnyder Member Posts: 4
    It's my understanding that any violations in a construction zone result in double fines (not how it affects the points). I would go to court and plead the ticket down. However, you'll have to weigh the increased insurance rates against the cost of your time, tolls, and fines.

    I don't think you mentioned how many points your ticket is, but be prepared to pay a hefty surcharge if you are able to plead it down to zero points.

    As far as the judge, I don't he or she will be interested in your story. I'm sure they'll listen, but I don't think it'll have much of an impact. Not swearing to that, but my experience with traffic court is that they just want to get us in and out of there (although it feels otherwise).

    Good luck.
  • steve54bsteve54b Member Posts: 3
    Thanks for the reply - and I'll augment what you said about they "just want to get us in and out of there" - when I had my ticket a few years ago, the plea down process convinced me of one thing, and not a surprise - it was all about saving the cost of court time and still getting as much of the driver's cash as possible - their three priorities were revenue, revenue, and revenue. What really happened or what is fair - on either side - is pretty far down on the priority list.
  • qbrozenqbrozen Member Posts: 33,644
    Are you sure the points in NJ would apply to your NY license?

    Ah. I knew this has been asked here before:
    NYS points from other states

    So, according to the NY DMV website, out-of-state points will not transfer to your NY license. So I wouldn't waste my time going to court, personally.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • steve54bsteve54b Member Posts: 3
    Thanks for that reply - even though the link pointed to a posting in this forum from 2005, I checked the NY DMV website for the most up to date, and it still says that only points from Ontario or Quebec will transfer to NY driver license records. I think I'll call the NY DMV just to double check, but perhaps it will make most sense to just pay the fine.
  • fezofezo Member Posts: 10,386
    Sounds like a deal to me. Mail it on in.

    New Jersey accepts points from more places. I remember getting two points ages ago because I got a speeding ticket in Florida. That equals two points no matter what the violation was in the other state. I like the New York deal better. Ontario and Quebec? Go figure.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • santoshmanyasantoshmanya Member Posts: 12
    Hi Guys,

    I moved from South to North and as a new NJ resident, I was unaware of NJ traffic rules.
    In April I received 2 tickets at a time,one was failure to observe traffic signal ( no turn on red 2 points) and speeding (4 points ) as I was trying to merge on GSP.
    In May I received one more ticket failure to observe traffic signal ( no turn on red 2 points).
    Total were 8 points and I don't know that, I can defend my points in court and paid the penalty online.

    Today I got one more 4 point speeding ticket while I was passing a steep road the cop had caught me doing 40 in 25 and making the total to 12 points.

    Can anyone help me how to avoid suspension of my license as my record will be entered into National Driver Register (NDR) database which is accessible for all the other 50 states.

    I was totally ignorant of no turn on red law.
  • fezofezo Member Posts: 10,386
    I don't know - beyond my expretise.

    On those lights, though, NJ allows right turn on red if safe after full stop unless the intersection is marked with a no turn on red sign. You might want to check the intersection.

    The only thing I think of immediately is maybe you can can the failure to observe traffic signal down to a failure to observe sign which doesn't carry points. It's something anyway.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • santoshmanyasantoshmanya Member Posts: 12
    Hi Fezo,
    I will try to change my license to a different state which does not carry out-of-state ticket, so that I can avoid NJ Tickets
  • qbrozenqbrozen Member Posts: 33,644
    you've got me confused.
    As Fezo said, NJ does allow right turn on red after a full stop, unless otherwise posted.

    Which kind of leads me to my 2nd point.

    I was unaware of NJ traffic rules.

    This statement troubles me. What exactly were you cited for that required you to do anything more than read road signs? The speed limit is not a secret law specific to NJ. And the turning on red, as explained above, is only a violation if there is a sign that tells you NO TURN ON RED, which again, means no requirement of knowing NJ motoring laws is necessary, you only need to read the signs.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • santoshmanyasantoshmanya Member Posts: 12
    Hi Qbrozen,

    I am sorry if I had troubled you. But I had violated the law NO TURN ON RED and tried to merge Garden State Parkway and cop has given me ticket for NO TURN ON RED and Speeding.

    Is it fair to give ticket for speeding of someone increases speed to merge Parkway?

    Anyways I had learned a good lesson from NJ Traffic Cops
  • qbrozenqbrozen Member Posts: 33,644
    So you must not have read the sign that said "no turn on red."
    If no such sign exists, then you have an argument in court.
    Is it fair to give a ticket for speeding? well, speeding is speeding. Not sure what else to tell you there. I just can't believe a cop was sitting on an entrance ramp to the GSP. I've never seen that before.

    out of curiosity, what is the speed limit on an entrance ramp? Is it the limit of the GSP in that area (meaning 55 or 65)?

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • labdaddylabdaddy Member Posts: 1
    I got a ticket today for failure to observe traffic lanes in West Milford,N.J.,which gets me 2 points. Can I
    plead this down to something less with no points and not having to pay some outrageous fine? My wife pleaded down a 4 point violation a few years ago to zero but the total costs added up to over $400. I wouldn't mind paying $100-150 to get rid of the points. My last violation was 15 years ago. Or does it make more sense to plead guilty & the take the defensive driving course online for $49,which
    gets rid of the 2 points(can only do that once every 5 years)? Thanx.
  • catman11catman11 Member Posts: 1
    Just got my first speeding ticket for going 38 in a 25 and I would love some advice. It's a 2-pointer and I'd love to have the points removed by pleading not guilty on my court date. I have a couple questions about it:

    1) If the prosecutor gives me the option of pleading guilty to a non-point offense, will I definitely be whacked with a $200-300 fine in addition to the new offense?

    2) If so, am I better of taking the points with Geico? Can the new offense, even though it might not include any points, increase my premium anyway?

    Thanks for any info you can provide.
  • fezofezo Member Posts: 10,386
    This is just me but I'd pay to not get the points in almost any circumstance. Some of that is paranoia about the next points I will admit even though I haven't had any now for a long time.

    Sure, it's no fun paying the extra money on the ticket, though in my personal experience it was never so bad as being described now. Insurance surcharges would be more.

    I don't know how Geico operates but I'd expect the charge.

    The paying extra for the ticket or taking the defensive driving course may be a decision of how valuable your time is. The courses may not be that long but they seem so.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • tracyrsxtracyrsx Member Posts: 1
    I just got a ticket last month in Polk County Florida. I decided to take the ticket to court cause the cop was driving in the opposite direction and no way could he have clocked me doing 74 in a 55 and him driving towards me in the opposite lane with a 8-10 foot divider in the middle. So I was calm and collected took the ticket didn't argue. Went to the court set a Court Date. Just found out yesterday that the court date is all the way in Mid October?

    Anyone have experience taking a ticket to court? Should I try to extend the date when it comes close say i have a work related issue I can not get out of?

    I am new here and love this forum.
    Hope to hear back from someone.
    Also I am thinking about getting that Traffic Ticket Insurance anyone have that it might be worth it cause this ticket I just got was $215.00.

    Tracy.
    The RSX girl,
  • ilanailana Member Posts: 25
    Hello
    I just got a speeding ticket 43 in 25 zone and I am planning to go to court what are my chances. I am a NY resident and I work in bound Brook so it's near by but what are my chances any one has experiance with their procecuter. If there a point reducing the points from 4 to 2 I tried running a quote in geico.com and it doesn't make a difference if it was 18 over the limit (4 points ) or 5 over the limit (2 points) I still get 100$ increase for 6 months.
    Any advise will be appreciated
  • santoshmanyasantoshmanya Member Posts: 12
    hey, don't go to court, NY Drivers will not get points for outside state tickets,
    just pay the fine.

    If you go to court he will reduce your points from 4 to 0 if you plead guilty, but you need to pay $439.00

    SANTOSH
  • santoshmanyasantoshmanya Member Posts: 12
    hey, don't go to court, NY Drivers will not get points for outside state tickets,
    just pay the fine.

    If you go to court they will reduce your points from 4 to 0 if you plead guilty, but you need to pay $439.00

    SANTOSH
  • ilanailana Member Posts: 25
    I though my insurance will still find out about it and increase the premium? Is it not true?
  • qbrozenqbrozen Member Posts: 33,644
    There is no way for them to find out if it doesn't show up on your NY license.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • ilanailana Member Posts: 25
    Really ? That's great. I thought Insurance has it's own DB
    Thanks a lot
  • fordfoolfordfool Member Posts: 240
    > I just got a speeding ticket...I am a NY resident

    link title

    Q. If I get a ticket for a moving violation in another state, do I receive points on my NYS driver license?

    A. The NYSDMV does not record out-of-state violations committed by NYS drivers in other jurisdictions.

    New York does exchange information with the Canadian providences of Ontario and Quebec and other states concerning driving while under the influence of alcohol or illegal drugs.
  • fezofezo Member Posts: 10,386
    I may have to move to New York....

    I know Florida sends the info to NJ who hits you for 2 points no matter what teh violation. Or at least they did in the 90s.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • qbrozenqbrozen Member Posts: 33,644
    yeah, its kind of an odd thing. Its like the 2 states have to agree to share info or something. As I think I've stated here before, I received tickets while attending college in NY between '92-'96 and they never appeared on my NJ record.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • nj2pa2ncnj2pa2nc Member Posts: 811
    I live in North Carolina and got a speeding ticket for going 80 in a 65. Should I get a lawyer or just pay the fine. Suggestions-anyone.
  • qbrozenqbrozen Member Posts: 33,644
    my suggestion would be to find a place (forum) where folks know something about virginia and/or NC laws.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • praveen310praveen310 Member Posts: 5
    Got a ticket at 5.00 in the morning on my way to the airport. Was going 17 miles over the limit (4 points). This section of Rt1 is a safe corridor which doubles the fine. This is my 1st ticket in 8 years. Is it worthwhile to hire an Attorney? Does any one have any experience with North Brunswick?
  • qbrozenqbrozen Member Posts: 33,644
    Are you trying to beat it completely? Reduce to just 2 points? get no points?

    Basically, without a lawyer, you can probably very easily go to court and get, at the very least, a speed reduction. You only need 3mph knocked off to get down to 2 points.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • praveen310praveen310 Member Posts: 5
    Thanks qbrozen. No points would be nice, but I guess that is a long shot .
  • qbrozenqbrozen Member Posts: 33,644
    Well, that I'm not sure of. If I were going for no points from a 4-pointer, I'd probably get a lawyer. Better to be safe than sorry.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • nj2pa2ncnj2pa2nc Member Posts: 811
    just to let you know-I got a lawyer. I found out that I could lose my driving license for 30 days in NC because I was 15 miles over the speed limit.
  • fezofezo Member Posts: 10,386
    Yikes! Losing the license is a killer.

    Yeah, sometimes you need a lawyer. No doubt about it.

    North Brunswick ticket - I know just where you mean. Cop must have an angry wife or something. Should have knocked off 4 mph as a matter of course. This doesn't mean he won't negotiate in court but I would certainly factor in that he could be difficult. I think in your case I'd try the lawyer but getting two points is likely still doable without one. Best of luck.
    2015 Mazda 6 Grand Touring, 2014 Mazda 3 Sport Hatchback, 1999 Mazda Miata 2004 Toyota Camry LE, 1999.
  • rabbit12rabbit12 Member Posts: 6
    I am in an Identical situation (last week).
    Could you te;ll me what eventually happened?
    1) Did you fight the ticket?
    2) Did NYS add points?
    3) Did GIeco increase premiums?
  • rabbit12rabbit12 Member Posts: 6
    Would anyone who had the experience of fighting a NJ ticket relate the experience ie ease success/failure? Did the NY Insurance co. find out and raise premuims?I need to know if it's worth to fight my recent NJ ticket on a NY license
  • dtownfbdtownfb Member Posts: 2,918
    What was the violation?
  • fordfoolfordfool Member Posts: 240
    > I need to know if it's worth to fight my recent NJ ticket on a NY license

    New York State does not swap ticket information with other states unless drugs or alcohol are involved.

    link title

    "The NYSDMV does not record out-of-state violations committed by NYS drivers in other jurisdictions. The exceptions are alcohol-related violations, drug-related violations, and moving violations committed in Quebec or Ontario. "

    The ticket will not add points to your New York license nor should your insurance company find out about the ticket.

    Fighting the NJ ticket is a waste of time and money. NJ tacks on an expensive surcharge in exchange for reducing the points.
  • rabbit12rabbit12 Member Posts: 6
    The policeman wrote "D/R TP Sign 19:9-1.3C" (instead of the high speeding which he claimed I was). He told me that it has NO points but afterward I heard conflicting info, that it indeed DOES have 2 points and that's what I'm concerned for.
  • rabbit12rabbit12 Member Posts: 6
    Abrozen, Are you SURE that there's no way for Ins. to find out when there's NO points? A couple of years ago I received in Edison a (Just ONE) ticket for NO Seatbelt.Awhile afterward I changed insurance co. (Geico- NY) and the operator told me of the No Seatbelt ticket!
  • qbrozenqbrozen Member Posts: 33,644
    Are you sure it wasn't on your license?

    If not, then the question is: how would they find out?
    Insurance company runs your license. If nothing on your license, then what?

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • rabbit12rabbit12 Member Posts: 6
    Gbrozen, THAT'S my question! I don't believe that the No seatbelt had points (especially then 3-4 years ago).Mayby just the POINTS don't get transferred but the INCIDENT does and that's what the insurance can access and increase premiums
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