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View Full Version : how much will 5 points effect my licence/insurance ?


wrong generation
05-03-2011, 09:02 AM
ok sense i know there are members here who eather have a bunch of points currently or have had them.

how much is this going to effect me. what will my insurance jump up to and will this effect my licence in any way ?

LTb1ow
05-03-2011, 10:06 AM
Can you get it dropped down to a 2pt offense via court?

When my insurance finally found out my 5pt offense ( which was knocked down to a 2pt), the collective raise was ~900 bucks. Granted, I can't complain, they only found it a year and half later, so I only have a little under a year left for the points to expire.

sweetbmxrider
05-03-2011, 10:14 AM
I think I have around a $500 surcharge on my insurance for 5 points. Call them up and ask, it varies by carrier.

wrong generation
05-03-2011, 01:24 PM
Can you get it dropped down to a 2pt offense via court?

its actually two tickets that both equal upto the 5 points. but ill be taking this to court and fighting it in hopes to get them dropped.

thunder
05-03-2011, 02:36 PM
the prosecutor will more likely than not give u a plea bargain. where did u get the ticket?

jts98z28
05-03-2011, 04:40 PM
mine doubled when i got 4 points

Tru2Chevy
05-03-2011, 04:44 PM
You can't really judge insurance rates based on points, as every company handles points differently, and rates will vary by a large margin based on a multitude of things. Your insurance may double at your next bill, or they may not catch the offenses and up your rate for a year or more.

As far as court goes, I still think you need to get your hands on the officer's notes for those tickets and see if the search business is written up at all. If it's written up like you said it happened, i would think you could get some extra leniency in court.

- Justin

Slow-V6
05-03-2011, 04:57 PM
ok sense i know there are members here who eather have a bunch of points currently or have had them.

how much is this going to effect me. what will my insurance jump up to and will this effect my licence in any way ?

I had to pay a 200.00 a year surcharge on my DL after 4 points I believe it was. That lasted untill the points came off my license.

Devillock
05-03-2011, 05:06 PM
have u had any tickets in the past 5 years? i got a ticket for doing 77mph in 55mph and fought it. i had to pay $400 and no points.

sweetbmxrider
05-03-2011, 05:47 PM
I had to pay a 200.00 a year surcharge on my DL after 4 points I believe it was. That lasted untill the points came off my license.

Surcharges only last for 3 years even if the points remain on your license.

wrong generation
05-03-2011, 06:17 PM
As far as court goes, I still think you need to get your hands on the officer's notes for those tickets and see if the search business is written up at all. If it's written up like you said it happened, i would think you could get some extra leniency in court.

- Justin

ill deff be getting the report with in the next few days.

as far as surcharges. i looked that up last night and the dmv's website says they don't kick in until 6 points.

sweetbmxrider
05-03-2011, 06:19 PM
Yeah that's what I thought, 6 points was when I started getting the letters.

Slow-V6
05-03-2011, 07:18 PM
I couldnt remember. All I know is I was stationed in Virginia Beach in the Navy and got pulled over one night and come to find out that NJ suspended my DL because I didnt pay those stupid surcharges. They sent the letter to my home in NJ and not to my command in Virginia Beach..

BigAls87Z28
05-03-2011, 08:18 PM
I hope that they wine and dine you before they **** you in the ass...

maroman88
05-03-2011, 10:55 PM
bend over... bring lube

Mark B
05-04-2011, 06:41 AM
The points will stay on your insurance for 3 years. Usually, it takes a year or so for the insurance company to find out about the points. However, the 3 years starts the day your insurance company raises your rates... Not the day the tickets are issued.

Mark B
05-04-2011, 06:44 AM
bend over... bring lube

And what he said.

wrong generation
05-06-2011, 12:33 PM
well those last 4 posts were totally useless.


eh its worse then i thought i'm facing 8 points not 5. total fml moment. some how i need to get a good lawyer and the $ to pay them and quick.


eh fml any one want to buy a camaro ?

WildBillyT
05-06-2011, 12:42 PM
well those last 4 posts were totally useless.


eh its worse then i thought i'm facing 8 points not 5. total fml moment. some how i need to get a good lawyer and the $ to pay them and quick.


eh fml any one want to buy a camaro ?

Well, what did you do? And if you deserved it than it's not an FML :rofl:

Sometimes they are more easygoing with lesser tickets that still carry points.

wrong generation
05-06-2011, 04:08 PM
Well, what did you do? And if you deserved it than it's not an FML :rofl:


i refused to let a cop search my car with out a warrent.

redsoxsstink
05-06-2011, 05:24 PM
i refused to let a cop search my car with out a warrent.

They don't need a warrant to search vehicles. Since vehicles are able to flee with evidence inside the officer is able to search with his or her discretion. If it was your home the officer wouldn't be aloud to enter unless there is reasonable suspicion of a crime. I would never try to outsmart a cop at the scene. No one knows NJ law better than cops and lawyers. If you wanted to outsmart him let him search then talk to a lawyer and he would tell you weither you have any ground in court.

WildBillyT
05-06-2011, 07:20 PM
i refused to let a cop search my car with out a warrent.

If the alternative was getting a free ride in the back of a crown vic then that may have been a better move. If not, that may have killed your chances of getting a plea bargain.

Good luck man.

PolarBear
05-06-2011, 07:48 PM
No one knows NJ law better than cops

Thats funny :rofl:

Frosty
05-06-2011, 10:22 PM
i refused to let a cop search my car with out a warrent.

You realize they don't need a warrant right?

redsoxsstink
05-06-2011, 10:39 PM
Thats funny :rofl:

I don't get it? The public only hears the bad things cops do, does that mean they are all bad? I don't get how people say cops don't know crap about the Law and can't do their jobs. They are trained, tested, re tested and re trained more rigorously that any other civilian job... Guh end rant. Don't mean to change the topic

1972LT1
05-06-2011, 11:04 PM
Why don't they need a warrant? I thought they did unless there was probable cause.( ie. open container, smell of weed, weapon in plain view)

wrong generation
05-07-2011, 01:40 AM
Why don't they need a warrant? I thought they did unless there was probable cause.( ie. open container, smell of weed, weapon in plain view)

exactly. they do need a warrent unless the above listed reasons. and in this case there were none.

BigAls87Z28
05-07-2011, 10:26 AM
Yeah, was under the same impression. Pretty clear here, unless it was overturned.

http://www.erowid.org/freedom/courts/state/state_supreme_nj_case1_comment1.shtml

Appellate Decision: State v. Carty
332 N.J. Super. 200 (App. Div. 2000)
[Decided March 4, 2002]

* Full Decision Text
* AP Story

In a 5-0 Decision on March 4, 2002, the New Jersey Supreme Court continued its nation-leading protection against police searches. The court decided, with 4 judges signing the primary decision and 1 writing a concurrence, that even with written consent police were not allowed to search the person or vehicle of someone stopped for a traffic violation without "reasonable, articulable suspicion" unrelated to the traffic violation for which the vehicle was stopped.

The New Jersey Court ruled on the basis of the New Jersey State Constitution and thus it is not reviewable by the federal Supreme Court. NJ has long had some of the most protective constitutional law regarding police searches during traffic stops. Until this ruling, the New Jersey police were required by the courts to have each person actually sign a consent document in order to allow traffic-stop searches. The consent documents were quite strongly worded, in an attempt to inform citizens that they had the right to refuse searches. The text of the consent document included:


The New Jersey Supreme Court goes on to be extremely clear about what they're saying and explicitly deny the use of consent-based searches without there being some evidence of a crime:

We agree with the Appellate Division that consent searches following a lawful stop of a motor vehicle should not be deemed valid under Johnson unless there is reasonable and articulable suspicion to believe that an errant motorist or passenger has engaged in, or is about to engage in, criminal activity. In other words, we are expanding the Johnson two-part constitutional standard and holding that unless there is a reasonable and articulable basis beyond the initial valid motor vehicle stop to continue the detention after completion of the valid traffic stop, any further detention to effectuate a consent search is unconstitutional. A suspicionless consent search shall be deemed unconstitutional whether it preceded or followed completion of the lawful traffic stop. The requirement of reasonable and articulable suspicion is derived from our State Constitution and serves to validate the continued detention associated with the search. It also serves the prophylactic purpose of preventing the police from turning a routine traffic stop into a fishing expedition for criminal activity unrelated to the stop. [NJ State vs Courty]

Innocent until proven guilty, they would have to prove to the court that you were up to no good. If you were up to no good, then you is effed.

Frosty
05-07-2011, 10:34 AM
exactly. they do need a warrent unless the above listed reasons. and in this case there were none.

So you were pulled over and they just wanted to search your car when they made the stop? What was there reasoning for wanting to search?

BigAls87Z28
05-07-2011, 10:40 AM
Yeah, not getting the full story here.

sweetbmxrider
05-07-2011, 10:41 AM
So much stupid :willy:

maroman88
05-07-2011, 12:18 PM
Yeah, not getting the full story here.

:stupid:

NastyEllEssWon
05-07-2011, 01:08 PM
eh its happened to me before. pulled over for making a right hand turn without using a blinker (bulb was out). got a ton of ear for being ''in a bad area with too nice of a car''. explained to the officer i lived there, then proceeded to get an ear full of how my car is nice, im young, in a bad area i must be a drug dealer blah blah blah. an hour 45 minutes later of searching i was let go by the officer with a fistful of tickets for proving him wrong.



sucks but it happens.


as for cops knowing the law. **** the police.

PolarBear
05-08-2011, 12:30 PM
I don't get it? The public only hears the bad things cops do, does that mean they are all bad? I don't get how people say cops don't know crap about the Law and can't do their jobs. They are trained, tested, re tested and re trained more rigorously that any other civilian job... Guh end rant. Don't mean to change the topic

Police DONT know the law that well, they interperet it how they feel then a JUDGE decides whether they were correct or not.

V
05-09-2011, 07:05 AM
so what tickets did u actually get which add up to 8 points?
speeding? careless? reckless? racing?

im confused cuz i know just not letting them search doesnt get you points lol.

greenformula92
05-09-2011, 07:14 AM
so what tickets did u actually get which add up to 8 points?
speeding? careless? reckless? racing?

im confused cuz i know just not letting them search doesnt get you points lol.

it sounds like a combonation of two of those or more....speeding 15+ is a 4 point ticket on its own

Mike
05-09-2011, 12:53 PM
if he really did something wrong, he will never tell us anyway. so the only outcome this thread has one in the direction of bashing the police.

did he search your car after you refused?

79T/A
05-10-2011, 12:21 PM
They don't need a warrant to search vehicles. Since vehicles are able to flee with evidence inside the officer is able to search with his or her discretion. If it was your home the officer wouldn't be aloud to enter unless there is reasonable suspicion of a crime. I would never try to outsmart a cop at the scene. No one knows NJ law better than cops and lawyers. If you wanted to outsmart him let him search then talk to a lawyer and he would tell you weither you have any ground in court.

Yes and no. As some mentioned, a warrantless search is only permitted in exigent circumstances. Even the infamous "smell of weed" doesn't automatically get you into someone's car anymore. Basically, a warrantless search is only permitted in a situation in which safety is a concern and when it is reasonable to believe that evidence would be lost or destroyed. If this is not the case, and the officer finds something that leads him/her to reasonably believe contraband exists in the vehicle, they can ask the operator for consent to search and have them sign the same. If they refuse the search, and the officer still strongly believes contraband exists and he/she can articulate that reason, they can detain the driver and the vehicle until a warrant is requested and approved. I can't say I've ever seen it happen personally, but it is entirely possible. I'll never tell anyone here whether they should or shouldn't refuse a search; that advice is best left to lawyers. Just know that it could happen. Al posted a few very good and very true excerpts of appellate court decisions, BTW.

Police DONT know the law that well, they interperet it how they feel then a JUDGE decides whether they were correct or not.

Nice ignorant blanket statement. I won't pretend that every cop is an expert on the law, but I will say that the majority of the ones I know take pride in their profession and make it a point to know what they can and cannot do. And the ones that don't have the law down pat are new and learning, and are smart enough to ask before they make a bad decision. Yeah, there are knuckleheads out there that fly by the seat of their uniform trousers and play the "my way or the highway" game, but they are rapidly being replaced by the younger generation of cops who go to college and actually have people skills. We live and work in a ridiculously litigious society. Gone are the days of the "strong back weak mind" officers I learned about in college. You have to know the rules of the game if you're going to win it.

I'm with those that have said it already: There's a few details missing from the story. I'd love to hear what really happened, but I doubt we ever will. I will say that there has to be a pretty good reason for a request to search a vehicle and the eight points worth of eff you he got for saying no...

Mike
05-10-2011, 12:28 PM
exactly. i also don't know where the whole illegal search rant is coming from, other than saying that the officer Asked to search the car, it does not say he forced him to allow it, or that he did anything other than issue tickets after he was denied permission to search.

and since the story in the first post doesn't include the typical rant and whine about how shafted he got by a "nazi cop", it leads me to believe he would have gotten the 8 points wether he allowed the search or not.

so now the story is changed from all the ranting above to, "he asked me to search my car, and i told him no, so he didn't, but he came back with the tickets i earned rather than letting me go with a slap on the wrist"

wrong generation
05-18-2011, 07:17 PM
so what tickets did u actually get which add up to 8 points?
speeding? careless? reckless? racing?

im confused cuz i know just not letting them search doesnt get you points lol.

come on paul. with your stalker abilities i figured you would have known lol.

i got a wreckless driving ticket which is 5 points and a improper turn which is 3 points as well as a headlight ticket.

exactly. i also don't know where the whole illegal search rant is coming from,

umm what rant ???


and since the story in the first post doesn't include the typical rant and whine about how shafted he got by a "nazi cop", it leads me to believe he would have gotten the 8 points wether he allowed the search or not.

wait you go from saying im ranting then here im not ranting and then your next thing says im ranting again lmao.

so now the story is changed from all the ranting above to, "he asked me to search my car, and i told him no, so he didn't, but he came back with the tickets i earned rather than letting me go with a slap on the wrist"

when did my story ever change ? i didnt earn the tickets that he gave me. he gave those to me because he was unable to search my car.

if he really did something wrong, he will never tell us anyway. so the only outcome this thread has one in the direction of bashing the police.

did he search your car after you refused?

lmao cbrrmike i know your a cop wannabe and all but you really don't need to talk like you are on a forum who are you trying to impress?.

So you were pulled over and they just wanted to search your car when they made the stop? What was there reasoning for wanting to search?

ok sense so many people have pm'd me wanting to know what happend i guess ill spill the beans. the reason i didnt in my original post was because my getting pulled over had nothing to do with a general question and i didnt want any bashing or useless replies.

ok so here is what happened. i was driving down 571 when i was pulled over. the cop told me he pulled me over for my headlight and then said he wanted to search my car. when i told him no that he did not have a warrent he then went and told me he had probable cause in which he said he would have a k9 unit or warrent here shortly. 45 minutes later the cop comes back to my window and says he will give me 1 more chance to let him search my car before the k9 unit gets here. i said id wait for the dogs in which he replied that what ever drugs it is im hiding im lucky to be getting off on that he wasnt able to get a warrent or k9 unit and handed me the tickets and said he would have fun seeing me in court. yes ill admit apparently my headlight was out so did i earn that ticket yes. as for the other two those were clearly given to me because the cop was unable to search my car so he slammed me with tickets that would hopefully cause me to loose my licence and have a huge fine.

LTb1ow
05-18-2011, 07:19 PM
So, you got 8 pts, for a head light out?

notsureifsrs.mpeg

WildBillyT
05-18-2011, 07:52 PM
So, you got 8 pts, for a head light out?

notsureifsrs.mpeg

Yeah, that's what I don't get.

Where did the 8 points come from? You were minding your own business with a headlight out and he pulled you over?

V
05-18-2011, 08:06 PM
heres where 8 points came from...


i got a wreckless driving ticket which is 5 points and a improper turn which is 3 points as well as a headlight ticket.

redsoxsstink
05-18-2011, 08:07 PM
Seems like if you weren't hiding anything it wouldve been better to let him search your car

BigAls87Z28
05-18-2011, 08:07 PM
If he gave you wreckless driving? Were you swerving? I hate that ticket, because unless you have a crowd watching you, its the cops word vs yours.

WildBillyT
05-18-2011, 08:08 PM
heres where 8 points came from...

Paul:

What was done to earn those points is unclear.

Frosty
05-18-2011, 08:11 PM
Paul:

What was done to earn those points is unclear.

The way the OP described the story he did absolutely nothing, the cop wrote up the tickets in response to not being able to search the vehicle. At least that's how I understand it.

If that's truly what happened I don't know how he'll get out of it, if that's really what happened that cop needs a ****ing ass-whooping, scumbag.

Mike
05-18-2011, 08:23 PM
come on paul. with your stalker abilities i figured you would have known lol.

i got a wreckless driving ticket which is 5 points and a improper turn which is 3 points as well as a headlight ticket.



umm what rant ???



wait you go from saying im ranting then here im not ranting and then your next thing says im ranting again lmao.



when did my story ever change ? i didnt earn the tickets that he gave me. he gave those to me because he was unable to search my car.



lmao cbrrmike i know your a cop wannabe and all but you really don't need to talk like you are on a forum who are you trying to impress?.



ok sense so many people have pm'd me wanting to know what happend i guess ill spill the beans. the reason i didnt in my original post was because my getting pulled over had nothing to do with a general question and i didnt want any bashing or useless replies.

ok so here is what happened. i was driving down 571 when i was pulled over. the cop told me he pulled me over for my headlight and then said he wanted to search my car. when i told him no that he did not have a warrent he then went and told me he had probable cause in which he said he would have a k9 unit or warrent here shortly. 45 minutes later the cop comes back to my window and says he will give me 1 more chance to let him search my car before the k9 unit gets here. i said id wait for the dogs in which he replied that what ever drugs it is im hiding im lucky to be getting off on that he wasnt able to get a warrent or k9 unit and handed me the tickets and said he would have fun seeing me in court. yes ill admit apparently my headlight was out so did i earn that ticket yes. as for the other two those were clearly given to me because the cop was unable to search my car so he slammed me with tickets that would hopefully cause me to loose my licence and have a huge fine.

ok, i didnt use all the cool quotes, or break down each line, so it might have been hard to understand. as i said in my post... YOU DIDNT EXPLAIN, so i was referring to the OTHER PEOPLE RANTING ABOUT IT.

and what exactly makes me a "cop wannabe"?

maroman88
05-18-2011, 09:02 PM
and what exactly makes me a "cop wannabe"?

:rofl:

79T/A
05-18-2011, 11:04 PM
when did my story ever change ? i didnt earn the tickets that he gave me. he gave those to me because he was unable to search my car.

ok so here is what happened. i was driving down 571 when i was pulled over. the cop told me he pulled me over for my headlight and then said he wanted to search my car. when i told him no that he did not have a warrent he then went and told me he had probable cause in which he said he would have a k9 unit or warrent here shortly. 45 minutes later the cop comes back to my window and says he will give me 1 more chance to let him search my car before the k9 unit gets here. i said id wait for the dogs in which he replied that what ever drugs it is im hiding im lucky to be getting off on that he wasnt able to get a warrent or k9 unit and handed me the tickets and said he would have fun seeing me in court. yes ill admit apparently my headlight was out so did i earn that ticket yes. as for the other two those were clearly given to me because the cop was unable to search my car so he slammed me with tickets that would hopefully cause me to loose my licence and have a huge fine.

Huh...I still think something's missing, and find that in its entirety hard to believe. But there are three sides to every story: Your side, his side, and somewhere in the middle lies the truth. I don't think we'll ever know that part.

B4C
05-19-2011, 12:53 AM
Seems like if you weren't hiding anything it wouldve been better to let him search your car

This, if you dont have anything to hide whats the issue with him searching the car?

Formulalt1
05-19-2011, 01:51 AM
Anyone who knows me knows I don't do drugs, I don't drive around with open alcohol containers in my car (and with the exception of a few dumb childish mistakes I don't drink and drive), I don't drive around with weapons in my cars (which is not to say that many tools I carry for work reasons couldn't be viewed as weapons) but it would be a cold day in hell before I allowed a cop to just go threw my vehicle looking for something when left with a option of saying no, why some may ask and the reason is, because I refuse to let someone push me into a corner with threats of what might happen if I don't bitch up and let them do whatever they want. If everyone said well, I don't want to upset the officer and have him come down harder on me because of it, the laws that where made to protect our rights now carry no weight what so ever.

I have been in situations where I was having my car searched no matter what I said and usually it was left with me putting my stuff back in my car on the side of the road and going home, I also don't have anything against Police officers in general, I have met a few that I honestly think shouldn't be in that profession cause you give them a little bit of power and it goes to there head but most officers are just regular people trying to earn a buck, stay safe and keep neighborhoods safe. Its the bad one's that you will usually run into that spread the horror stories and that lead to cop bashing and its there fellow officers who should do something about it IMO. Good luck in court.

Just my 2 cents.

Frosty
05-19-2011, 05:41 AM
This, if you dont have anything to hide whats the issue with him searching the car?

Would you let an officer search your house because you had a light bulb out on the outside of it?

IF things truly went down the way the OP said then the cop was wrong, there's no reason to search the car other than to be a prick.

PolarBear
05-19-2011, 12:36 PM
I have had my car searched before without my permission and I have to admit it really sucks, the officer also gave me extra tickets and "gave me a break" by not giving me an evading ticket that was completely unjustified. I also got 110 in a 55 when I was only going about 80, the cop was NEVER, not even for one second, behind me. He never put on his lights, nor used the siren, I didnt even know he was around until I turned down a side street and he finally got behind me.

He gave me the 110 because that is how fast he had to go to catch me, he was a complete P.O.S. to me and I can understand some of the sentiments that have been presented in this thread. Some people should not have the power of the badge behind them, they take it waaay too far.

To the O.P. you should definitely get a lawyer for the reckless, especially if it went down like you said. The judge has you bent over holding your ankles with this ticket. A laywer will probably be able to get the ticket thrown out of court and get you to just pay for the headlight, repairs. I got a reckless and the judge TRICKED me at my arainment (sp?) and I lost my license for 60 days. If I had gotten a laywer I could have probably avoided all of that, but I didnt know what was going on.

B4C
05-19-2011, 01:31 PM
Would you let an officer search your house because you had a light bulb out on the outside of it?

IF things truly went down the way the OP said then the cop was wrong, there's no reason to search the car other than to be a prick.

I dont think were getting the whole story, Ive had my car searched before, wasnt a big deal.

Frosty
05-19-2011, 01:50 PM
I don't think we are either, that's why I kept saying "if", lol. I understand the OP's point. Regardless if I don't have anything to hide I don't want people going through my ****. Unfortunately refusing comes with unnecessary consequences.

BullittSVT
05-19-2011, 04:06 PM
I got searched once, twas amusing to watch him come out with nothing. Cops CAN be dickheads, hell..on saturday my car broke down and it ended up getting towed and ticketed for "Failure to park off of roadway" which was a rural road with me completely off of concrete and over a hundred yards from a home. It's all about money and egos...

Good luck with removing the points, really mean it