This domain/website is for sale. Please contact the owner if you are interested.

How to Reduce License Points in NJ

Author: admin  //  Category: Car Insurance, DMV / NJ MVC, Fines, NJ Traffic Laws, Surcharges, Traffic Attorneys

If you receive a moving violation in New Jersey, points will be added to your NJ driving license and driving record. Other violations such as parking tickets, do not have points associated with them.

Once you receive 6 points or more within 3 years, the NJ MVC will impose a surcharge of $150 plus point costs.

Before you reach 6 points, you can reduce the number of points on your drivers license by 2 points when you complete the NJ defensive driving course which is available online.

Get a 2 Point Reduction

The 2 point reduction defensive driving course can also help reduce your NJ car insurance rate. The NJ mandatory law states upon completion of the 6 hour NJ defensive driving course, drivers are eligible to receive up to 10% reduction on their car insurance for 3 years. Contact your NJ auto insurance agent to confirm what percentage discount you’re eligible to receive.

Point Deduction

There are other ways that your points come off your New Jersey drivers license.

  • One Year with No Violations = 3 points are removed
  • Defensive Driving Course Online = 2 points are removed

For full information and a link to register for an online defensive driving course, click this link: http://www.njpoints.com/points/

Facebooktwittergoogle_plusredditpinterestlinkedinmail

Effects of Driving Record Points on Insurance

Author: admin  //  Category: Car Insurance, DMV / NJ MVC, Fines, Getting Pulled Over, Speeding Tickets, Surcharges, Violations

Because your past driving behavior is indicative of your future behavior on the road, your driving history is a major factor in how your risk is viewed and, in turn, how your premium gets calculated. Let’s look into how your driving record affects your auto insurance rates.

DMV Points and Your Driving Record

Many states use a points system for tickets and moving violations. The points go on your driving record and stay for specified periods of time (determined by your state and by the violation). The more points you accumulate, the more likely you are to lose your driver’s license, and the higher the risk you pose to your car insurance company.

When you are considered a “high-risk driver” by your insurance provider, you are subject to higher car insurance rates because you are more likely to file a claim than someone with a better driving record.

Violations still go on your record even if you live in a state that does not use the points system. Moving violations such as speeding, reckless driving, and DUI on your record will still result in premium increases.

 

Learn more about how points and other infractions affect your car insurance rates by clicking this link: http://www.dmv.org

 

Facebooktwittergoogle_plusredditpinterestlinkedinmail

New Jersey Speeding-Points

Author: admin  //  Category: Car Insurance, Fines, NJ Traffic Laws, Speeding Tickets, Traffic Tickets, Violations

Points for NJ Speeding Tickets

Here are a few examples of the points you will receive for speeding in New Jersey:

  • 1 to 14 MPH over speed limit = 2 points
  • 15 to 29 MPH over speed limit = 4 points
  • 30 MPH or more over speed limit = 5 points

Speeding is the leading cause of car accidents so law enforcement takes it very seriously. In New Jersey you can receive a speeding ticket from a variety of law enforcement agencies including the New Jersey State Police, a county sheriff or city police departments.

 

Click Here for full information: www.njpoints.com The site also includes a link to a defensive driving course which is one way that you can remove points on your license.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

Surcharges

Author: admin  //  Category: Car Insurance, DMV / NJ MVC, DUI / DWI, Fines, NJ Traffic Laws, Non Moving Violation, Speeding Tickets, Surcharges, Traffic Tickets, Violations



Surcharges are fines assessed by MVC on an annual basis for drivers who have earned excessive points or committed a specific violation such as DUI. Surcharges are in addition to any court fines/penalties. If you have received a notice in the mail or discovered there is a lien on your property because of a surcharge, please call (609) 292-7500 for more information.

Why do you get surcharges?
Your record is reviewed every time points are added to it. 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.

Additional surcharges may also apply:
$100 for driving without a license
$250 for driving with a suspended license
$100 for failure to insure a moped
$250 for operating an uninsured vehicle
$1,000 for DUI, 3 years
$1,000 for Refusal to take breathalyzer test, 3 years

If you do not pay your surcharges, MVC will suspend your driving privileges indefinitely and take action in the State Superior Court. This may include securing a lien against your property, garnishing your wages or other similar actions. Payment plans are available to MVC customers.

If you have surcharges that result from unpaid tickets or other unresolved legal issues, you will need to contact the court that is responsible for your case. For help determining which court you need to contact, call MVC Violations at (609) 292-7500.

Source: http://www.state.nj.us/mvc/Violations/Surcharges.htm

Avoid Surcharges – Don’t drink underage, don’t drink and drive, don’t get caught in bad situations, resolve tickets in a timely manner, and insure your vehicle.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

Tips to Fight a Speeding Ticket in New Jersey

Author: admin  //  Category: Car Insurance, Fighting a Traffic Ticket, Fines, Getting Pulled Over, NJ Traffic Laws, Other, Speeding Tickets, Traffic Tickets, Violations

police-pic-2

Getting a Speeding Ticket in NJ can be a real hassle; instead of saving time by driving over the speed limit, when it comes down to it, you are doing the complete opposite. Speeding tickets mean time spent pulled over waiting for the Police Officer, a possible lengthy vehicle search, the cost of the speeding ticket, and of course, the rise in your car insurance premiums. There are ways, however, that you can go about fighting a Speeding Ticket in NJ.


First of all, never admit to your personal guilt of anything. Often times when you are pulled over, the first question the Officer will ask is how fast do you think you were going? Don’t incriminate yourself, if you admit to speeding at this point in the encounter, there really is no way of fighting it; in essence you’ve already plead guilty to the charge, and have no choice but to pay the ticket.


Instead of answering the Officer’s question with an admission of guilt, respond with a question of your own. Ask the Police Officer if he or she has your speed on radar, and ask him or her how fast you were going according to the radar. Sometimes Police Officers do not use radar at all; instead they may use their “keen eye” to spot potential speeders, and hope that when pulled over, the violator will foolishly admit to speeding.

If you and the Officer have moved past this stage and he or she has already given you a speeding ticket, the next best thing you can do is defend yourself in court. Sometimes, Police Officers will not show up when summoned for a court appearance, especially for something as mundane as a speeding ticket. After all, to appear in court, the Officer has to take time from work, just like you do; this really is the best way to fight any speeding ticket.


Sometimes you will get lucky and the Officer will simply let you go with a warning. Reasons for this vary, and in reality it seldom happens; one should never expect to be let off with only a verbal warning. You can improve your chances, however, by being polite to the Police Officer, cooperating with him or her, and providing all of the information and/or documentation that is required, such as your driver’s license and proof of insurance.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

What to do when pulled over by the Police

Author: admin  //  Category: Car Insurance, Getting Pulled Over, Other, Speeding Tickets, Traffic Tickets, Violations

police-pic-1

It eventually happens to every one of us. Those blue and red lights appear behind us as we are driving along, seemingly minding our own business. When that moment does come, we are often lost in confusion and set into a panic. Whether you are pulled over on a NJ highway, or a small country road, there are steps that everyone should follow. Whether it be a NJ traffic ticket or other infraction, it is possible to minimize or avoid a negative outcome completely, by following the steps below:


1. Pull Over. As soon as you see emergency lights, or hear a siren behind you, pull over to the side of the road as safely and quickly as possible. Keep in mind, initially, the Police Officer may be going to another emergency and is not pulling you over. However, if you think you may have committed a traffic violation, pull over and stop completely. Be sure to look for an area that does not obscure traffic. If possible, pull off far enough out of the flow of traffic, so the Officer is not in danger of being struck by other vehicles. Also, try and find a lit or visible area, especially if you are in a rural or dark area, and use turn signals to indicate your intent to pull over. Do not coast. Come to a stop as soon as possible. If you do not, it may result in the Officer being unsure of your actions and suspect that you may have something to hide.


2. Keep your hands visible and do not make any quick or excessive movements. Officers are trained to suspect the worse and act accordingly. Irrational actions often receive strict reactions from Officers. Most likely the Officer does not know you, especially if you are in an urban area or where there is high traffic, like the NJ turnpike. Excessive movements may cause the Officer to believe you have something to hide and may put the Officer on high alert.


3. Be Polite. Even if you will be late, can’t afford another traffic ticket, or have to use the bathroom, etc…, you must treat the Officer in a polite and respectful manner. Being nervous is fine, but rude is not. You do not have to smile, but saying “sir,” “ma’am,” “please,” and “thank you,” can go a long way. If you show respect you should receive it in return. Above all, never curse. That is one of the biggest forms of disrespect, even if it is in your regular vocabulary, it is not respectful to others, especially to an Officer.


4. Follow Instructions. If the Officer wants you to get out of the vehicle, he will tell you; otherwise, stay in your vehicle. If the Officer asks to see your license and registration, by law you must identify these documents to him or her. When you do not follow instructions, it leads to arguments and foul tempers on both sides; which may lead to leniency with the Officer and possibly even the Judge. Failure to follow instructions almost always results in a traffic ticket, rather than a warning, or sometimes even more serious consequences.


6. Do not lie or make excuses. Honesty goes a lot further than a quickly hatched excuse. Police Officers can easily detect lies, not only by what you say, but by your body language, and by asking various questions to see if you have inconsistent answers. If you lie to an Officer once, no matter how small of a lie it may be, it makes the Officer suspicious of your behavior, and anything else you say after that point will be viewed as a lie in the Officer’s opinion.


7. Talk as little as possible. Do not give elaborate stories or excuses, especially if you are hiding details. If you do not want to get caught in a lie (see step 6), than include as little details as possible. Some people also talk a lot when they are nervous. If you remember to try and keep your answers short and simple, you may appear more calm and collected. Also, remember that everything you say from the moment the Officer approaches your car, may be admissible in a New Jersey Court of Law. Additionally, silence is not an admission of guilt, but may result in the Officer being more suspicious and less accommodating.


It seems like a lot to keep in mind; but in reality, you just need to remember to be polite and respectful to the Officer, while saying as little as possible. If you find yourself facing a traffic ticket in New Jersey, the steps above, should help minimize any consequences you may encounter.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

How to Fight a Traffic Ticket

Author: admin  //  Category: Car Insurance, DMV / NJ MVC, Fighting a Traffic Ticket, Fines, Traffic Attorneys, Traffic Court, Traffic Tickets, Violations

police-pic-41

You’re driving down the street and suddenly you notice the lights flashing in your rearview mirror. You’ve been pulled by a Police Officer for an offense for which you don’t think you are guilty. Was that light really red? When did that stop sign go in? Is the elementary school really in session at 7 p.m., requiring the need for reduced speed “while children are present?”


Often receiving a traffic ticket is a black and white offense. You knew what you were doing (racing to work, talking on your cell phone without a hands-free device, or cruising through a stop sign), and while a smile and apology might get you a warning once in awhile, the probable outcome is a traffic ticket.


Sometimes, however, the situation is not so clear cut. If the violation seems unclear, it is worth looking into further. Offenses which rely solely on the Officer’s judgment or visual range, were a result of a recent change in signage or truck blockage, or were created due to a natural obstacle, such as swerving to avoid an animal in the street, can be challenged.


This requires a careful look at the situation on your part, perhaps even a consultation with a traffic ticket attorney. If you “need” to fight the ticket because of concerns relating to insurance rates, or DMV and court records and want the best chance of dismissal, a traffic ticket attorney may be the best way to go.


If you just want to “try” to fight the ticket, self representation is not a bad idea. Make sure you bring any photos or professional looking intersection drawings that you can create to add credibility to your viewpoint. Consider the small factors, such as paint erosion or new signage. Relive the experience – were you speeding because you were experiencing chest pain and were trying to get to the hospital? Did you ask the Officer for help and receive a rebuff?

All these factors add up and can make or break your judgment. Hopefully you won’t find yourself in need of this advice for a very long time. Drive safe and good luck.

Facebooktwittergoogle_plusredditpinterestlinkedinmail