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Old 09-03-2009, 11:53 AM
 
42 posts, read 261,970 times
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Everyone-

I am in need of some help/advice here:

I have 2 tickets on my record:

1) first ticket was given in March of 2008 'convicted of' 34/25 (PJC used)
2) second ticket was given in May of 2009 'convicted of' 30/25

According to NC insurance law, I have no points as my second offense was for less than 10mph over and I got a PJC for the first one (also less than 10mph over) and neither ticket was in a school zone. However, Progressive still sold my policy to the NC Reinsurance Facility who raised my rate by 45% (as if I had 2 points)...can they do this? Do I have any recourse at all?

Thanks!!
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Old 09-03-2009, 11:59 AM
 
Location: Cary, NC
441 posts, read 1,254,198 times
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I think if you get a ticket within 3 years of using a prayer for judgment, the point(s) from the first offense "kick back in" so to say when the second ticket is recorded. There's also a difference in insurance points and points on your license, but you may have already known that.

And the whole "no points for less than 10 mph over" is only good once every three years. This is a quote from a legal website: [SIZE=3] No points will be charged for: Speeding 10 mph or less over the posted speed limit provided that (1) the violation did not occur in a school zone; and (2) there is a clean driving record for the previous three years. [BUT, if a person gets a second moving violation within the three year period, then the points for BOTH tickets are assessed!!]. Additionally, each household can use one prayer for judgment continued (pjc) every three years as long as no one else in the household has used a PJC during that time. [/SIZE]
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Old 09-03-2009, 12:23 PM
 
2,456 posts, read 7,585,983 times
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With the current environment with regards to insurance I would recommend a lawyer for any moving violation you choose to contest. While it can appear repugnant to pay a lawyer for this service ... understand that you're playing in their sandbox and they make (or at least understand) the rules.
My insurance agent advises that one should not assume that no insurance points is the same as no knowledge of by your insurer.

Frank
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Old 09-03-2009, 02:12 PM
 
373 posts, read 1,115,592 times
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Quote:
Originally Posted by FVmommy View Post
I think if you get a ticket within 3 years of using a prayer for judgment, the point(s) from the first offense "kick back in" so to say when the second ticket is recorded. There's also a difference in insurance points and points on your license, but you may have already known that.

And the whole "no points for less than 10 mph over" is only good once every three years. This is a quote from a legal website: [SIZE=3] No points will be charged for: Speeding 10 mph or less over the posted speed limit provided that (1) the violation did not occur in a school zone; and (2) there is a clean driving record for the previous three years. [BUT, if a person gets a second moving violation within the three year period, then the points for BOTH tickets are assessed!!]. Additionally, each household can use one prayer for judgment continued (pjc) every three years as long as no one else in the household has used a PJC during that time. [/SIZE]
This is correct. Once you got your second ticket, the first ticket's points kick back in. I would try getting quotes from other companies, with 4 points I don't' think that should make you go to the reinsurance facility. It will definitely up your rates but not by that much.
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Old 09-03-2009, 02:53 PM
 
13,808 posts, read 24,849,075 times
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Cops give out tickets for 30 in a 25 these days? Do they have nothing better to do? Seriously!!!
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Old 09-03-2009, 02:54 PM
 
9,197 posts, read 23,492,800 times
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Quote:
Originally Posted by wheelsup View Post
Cops give out tickets for 30 in a 25 these days? Do they have nothing better to do? Seriously!!!
"convicted of 30/25" probably means she was doing 39 and the cop cut her a break.
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Old 09-03-2009, 02:59 PM
 
13,808 posts, read 24,849,075 times
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Ah OK that makes more sense.
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Old 09-03-2009, 03:25 PM
 
Location: Cary, NC
683 posts, read 1,744,640 times
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Unless things have changed recently, insurance companies have always gone by the simple fact that you have a ticket, irregardless of points issued, when rating your policy.
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Old 09-04-2009, 09:40 AM
 
16,308 posts, read 26,721,712 times
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Truth is they can drop your for any reason, or for no reason.

I had an insurance company go up on my rates years ago but I had no tickets or claims. I called the agent and was told that they raised my rates because I had NOT had an accident or claim, and based on their statistics I was 'due' to have an accident. Since this was in independent agent he renewed my policy with a different company.
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