how much will 5 points effect my licence/insurance ?
 

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 ?

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.

I think I have around a $500 surcharge on my insurance for 5 points. Call them up and ask, it varies by carrier.

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.

the prosecutor will more likely than not give u a plea bargain. where did u get the ticket?

mine doubled when i got 4 points

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

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.

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.

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

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.

Yeah that's what I thought, 6 points was when I started getting the letters.

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..

I hope that they wine and dine you before they **** you in the ass...

bend over... bring lube

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.

And what he said.

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.

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.

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.

Thats funny :rofl:

You realize they don't need a warrant right?

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