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Old 03-27-2019, 12:32 PM
 
1,328 posts, read 3,520,074 times
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I need some insight/clarification.

Wifey got a ticket on the Parkway in Middletown. She was going 75-80mph, which is speeding yes, but nothing crazy. She was in a hurry to see a sick relative in South Jersey. Cop was a jerk and still gave her a ticket and two points on license. This is her first offense, EVER. She had never even been pulled over before this incident.

She contested in court and judge took off the points, but she still had to pay the ticket.

Insurance rate went up anyway. I called them and they said it was still reported and the removed points don't matter. So did we end up wasting time/money contesting in court (we live far from Middletown), only to still pay a higher insurance premium? What was the benefit of the removed points?
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Old 03-27-2019, 12:55 PM
 
8,256 posts, read 15,289,787 times
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I'm not sure with NJ, but I know in CA once you hit a certain number of points, you actually have your license suspended. So next time she gets a ticket for something, it may have been enough to suspend the license, but now she'll be able to keep it.
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Old 03-27-2019, 01:14 PM
 
2,161 posts, read 4,338,395 times
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The judge removed the points on her DL.

However, the insurance company has its own point system, and they added "insurance points" when the speeding ticket was reported. Insurance points are different, separate and apart from DL points that are issued by the state. That's why the insurance still goes up.

Was it a waste of time to go to court to get the DL points removed? Eh. A DL with 0 points is better than a DL with 2 points. If she gets another violation, she starts off with 0 points, rather than additional points being added to the 2.

However, she probably would have done better to skip the hassle of court and sign up for one of those defensive driving/traffic safety classes approved by the MVC. (Although, this is its own hassle, I guess. And not free. Cheap, but not free.) These classes also remove 2 points from your DL...but they also qualify you for a 5-10% discount on your insurance policy for the next 3 years (the amount of time the insurance points will likely stay on your policy record). I think these classes can be taken online now. When I did it in the early 2000's, I had to schlep to a high school 2 towns away on a Saturday morning and sit in a classroom for 6 hours with other violators.

More info:

https://www.thebalance.com/what-you-...points-4083258
https://www.carinsurancecomparison.c...urance-points/
https://www.state.nj.us/mvc/license/driverprograms.htm
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Old 03-27-2019, 01:40 PM
 
Location: Mid-Atlantic
29,041 posts, read 28,024,285 times
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Quote:
Originally Posted by Busch Boy View Post
I need some insight/clarification.

Wifey got a ticket on the Parkway in Middletown. She was going 75-80mph, which is speeding yes, but nothing crazy. She was in a hurry to see a sick relative in South Jersey. Cop was a jerk and still gave her a ticket and two points on license. This is her first offense, EVER. She had never even been pulled over before this incident.

She contested in court and judge took off the points, but she still had to pay the ticket.

Insurance rate went up anyway. I called them and they said it was still reported and the removed points don't matter. So did we end up wasting time/money contesting in court (we live far from Middletown), only to still pay a higher insurance premium? What was the benefit of the removed points?
There isn't any benefit. They want cash. Those new vehicles and computers are expensive.

My husband got a ticket when he was rushing to his mother's hospital room when she was dying. Mercy? It doesn't exist. He was retired military and had taken two government sponsored defensive and evasive driving courses. Sometimes you're lucky enough to get that course before you're sent overseas.

They don't care. They just want the money.

https://www.carinsurance.com/auto-in...ng-record.aspx
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Old 03-27-2019, 04:03 PM
46H
 
1,210 posts, read 792,607 times
Reputation: 2557
You are trying to avoid New Jersey Surcharge Violation System (NJSVS) surcharges which are imposed by NJ.
Specifically:
"If you accumulate six or more points within three years from your last posted violation, you will receive a $150 surcharge plus $25 for each additional point over six. A surcharge based on accumulated points can result in you being surcharged annually for three years."

https://www.state.nj.us/mvc/license/surcharge.htm

The cop wrote a 2pt ticket, but until the judge rules, the ticket is not filed with NJ. The judge changed the ticket to a non-point violation. That means she is still 6 points away from the NJ surcharge.

This is separate from what insurance companies decide to charge for a violation. In theory, the insurance company would not see a 2pt speeding violation. They would only see the non-points violation that the judge filed against your wife.
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