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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/

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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

 

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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.

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