U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > New Jersey
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 06-29-2014, 12:07 PM
 
Location: Belleville NJ
12 posts, read 91,549 times
Reputation: 14

Advertisements

I just got a speeding ticket in NJ. I did not fight it in court. Plead guilty and paid the ticket online. It's 4 points on my license. I was reading the fine print in Geico's Insurance Policies and they seem to mostly care about damages and moving violations. A speeding ticket is not a moving violation. I am 25 and have a perfect driving record as well as being part of the Safe Drivers at Geico.

After a group of rules about Traffic Violations and what happens if you get into an accident Geico says this: One point is assigned for the first conviction and two points for each subsequent conviction incurred by the same operator for moving traffic violations not specified elsewhere in this rule.

Following is a list of what percentage the points affect:

V. POINTS AND SURCHARGE CALCULATION The number of points assigned determines the surcharge. The following examples show some of the possible surcharges as an approximate percent of the premium for a single car policy.
NOTE: Any conviction under item 4 above which is a result of an accident is not chargeable under both ACCIDENTS and TRAFFIC CONVICTIONS. The charge is to be made only for the accident. Convictions for non-moving violations, violations such as equipment defect and failure to have driver’s license in one’s possession are not chargeable.

IF THE NUMBER OF DRIVING RECORD POINTS IS: 1 2 3 4 5 6-7

YOUR SURCHARGE FOR BODILY INJURY AND PROPERTY DAMAGE COVERAGES WILL BE: 5% 20% 20% 30% 35% 45%

YOUR SURCHARGE FOR PERSONAL INJURY PROTECTION COVERAGE WILL BE: 5% 10% 10% 15% 15% 20%

YOUR SURCHARGE FOR COLLISION COVERAGE WILL BE: 5% 15% 15% 25% 25% 35%

So it looks like for those four points I will be getting one point which won't affect my premiums because the speeding tickets are not property damage, bodily injury, personal injury, or collisions! Am I reading this right? If I am, hopefully this list helps others.
Reply With Quote Quick reply to this message

 
Old 06-29-2014, 12:19 PM
 
Location: NJ
3,131 posts, read 6,705,279 times
Reputation: 1892
Um yes, a speeding ticket is a moving violation. Are you saying Geico doesn't consider it to be?

The way I'm reading that, since you have 4 points that means you will get a 30% surcharge added to Bodily Injury, 15% for Personal Injury, and 25% for Collision. The surcharge doesn't mean you got a ticket specifically for one of those categories.

I have Geico and many years ago I got a speeding ticket out of state. I don't recall how many points it was, if any. I paid a $100 ticket and Geico never added any surcharges.
Reply With Quote Quick reply to this message
 
Old 06-29-2014, 12:25 PM
 
Location: Belleville NJ
12 posts, read 91,549 times
Reputation: 14
Quote:
Originally Posted by ansky View Post
Um yes, a speeding ticket is a moving violation.

The way I'm reading that, since you have 4 points that means you will get a 30% surcharge added to Bodily Injury, 15% for Personal Injury, and 25% for Collision. The surcharge doesn't mean you got a ticket specifically for one of those categories.
Keep in mind that Geico has a different point system than the state of NJ. three points is added for Reckless Driving, Drinking, DUI, refusing to take the sobriety test and driving while license is suspended or revoked.

There is nothing specific about speeding. Just the one point for other things not listed...

EX: Racing in NJ is five points on license and three points for Geico.
Reply With Quote Quick reply to this message
 
Old 06-30-2014, 08:58 AM
 
151 posts, read 443,339 times
Reputation: 64
I had a perfect record with GEICO for like 15 years - no tickets and at fault accidents, etc. I think two years ago I got two tickets within one year (I pled to 0 points for both and paid a hugh amount of the money to the court) and GEICO still slap my with a 25% increase in premium. I will told this incease will stay for three years.
Reply With Quote Quick reply to this message
 
Old 07-02-2014, 05:35 PM
 
524 posts, read 1,600,490 times
Reputation: 167
They care about ANY ticket. Was with them 10 years with no points, no accidents, no nothing. Got a 2 point illegal turn ticket and they jacked me 15% on my premium. Called them up and they told me I could take a class. Screw that ... I went to Allstate and never looked back. Better plan and lower premium. Geico sends me a letter every month asking me to come back. Sure ... fat chance.
Reply With Quote Quick reply to this message
 
Old 07-05-2014, 12:26 AM
 
277 posts, read 567,085 times
Reputation: 92
Quote:
Originally Posted by balancesheet View Post
I had a perfect record with GEICO for like 15 years - no tickets and at fault accidents, etc. I think two years ago I got two tickets within one year (I pled to 0 points for both and paid a hugh amount of the money to the court) and GEICO still slap my with a 25% increase in premium. I will told this incease will stay for three years.
I can attest to that. Same thing happened to me before few years. Liberty mutual seems little better in that way.
Reply With Quote Quick reply to this message
 
Old 07-05-2014, 08:12 AM
 
Location: Princeton, New Jersey
357 posts, read 617,254 times
Reputation: 527
To the OP,

Just for the future, always fight tickets. For something like speeding when you otherwise have a perfect record, the prosecutor will always cut you a deal = higher fine, but fewer points. When points are involved, it's always worth speaking to the prosecutor.
Reply With Quote Quick reply to this message
 
Old 07-05-2014, 01:49 PM
 
716 posts, read 1,193,170 times
Reputation: 917
Every auto insurance company cares about speeding tickets. What kind of question is this?
Reply With Quote Quick reply to this message
 
Old 07-05-2014, 02:00 PM
 
Location: Northern NJ
5,448 posts, read 5,577,991 times
Reputation: 7745
Speeding tickets are moving violations for everybody. Speeding will ultimately land you in insurance hell. Always fight any ticket. Even if it means hiring a specialist traffic attorney.
Reply With Quote Quick reply to this message
 
Old 07-05-2014, 02:05 PM
 
1,462 posts, read 3,568,241 times
Reputation: 991
Quote:
Originally Posted by Marc Paolella View Post
Speeding tickets are moving violations for everybody. Speeding will ultimately land you in insurance hell. Always fight any ticket. Even if it means hiring a specialist traffic attorney.
I would only plead out to the NJ non-points violation if you already have points on your license.

If you are only getting two points on your license, the costs of pleading out to a non-points violation, depending on your insurance, would be a wash, especially since those 2 points would be off your record in a year anyway.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:




Over $99,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > New Jersey
View detailed profiles of:

All times are GMT -6.

2005-2017, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32 - Top