Here’s a big question posed by you drivers out there: Will my car insurance rates go up if I plead guilty to or send in the payment for the fine for a traffic ticket? Well, the answer to that question is: YES! A recent survey performed by Insurance.com, which compiled data from over 49,000 auto insurance quotes given to drivers, revealed that those found guilty of the 14 most common traffic tickets issued to drivers saw an increase in their car insurance premiums up to twenty-two percent (22%). Consequently, a majority of these traffic offenses carry DMV points that will be added on your driving record if you plead guilty to or simply pay the fine.
For example, if your auto insurance premium was $83.33 a month ($1,000.00 annual payment), your monthly car insurance payment could increase up to $101.66 a month ($1,220.00 annual payment) for getting a traffic ticket. That means that you could be paying $220.00 extra for auto insurance per year just for being convicted of one motor vehicle offense!
Since motor vehicle convictions cannot be expunged in New Jersey, another harsh consequence that follows from this is that it could take several years for your insurance premiums to go down. The New Jersey expungement statute (N.J.S.A. 2C:52-1) does not apply to traffic violations. This also applies to driving while intoxicated (DWI/DUI) convictions because DWI/DUI is a motor vehicle, not criminal, offense in New Jersey.
The following is a table, based on Insurance.com’s analysis, on how much the 10 most common traffic ticket infractions will impact your auto insurance rates, on average:
|Reckless driving (N.J.S.A. 39:4-96)||
|DWI/DUI first offense (N.J.S.A. 39:4-50)||
|Driving without a license or permit (N.J.S.A. 39:6B-2)||
|Careless driving (N.J.S.A. 39:4-97)||
|Speeding 30 mph over the limit (N.J.S.A. 39:4-98)||
|Failure to stop at red light/stop sign (N.J.S.A. 39:4-120.9/39:4-144)||
|Speeding 15 to 29 mph over the limit (N.J.S.A. 39:4-98)||
|Speeding up to 14 mph over the limit (N.J.S.A. 39:4-98)||
|No car insurance (N.J.S.A. 39:6B-2)||
|Failure to wear seat belt (N.J.S.A. 39:3-76.2f)||
To read the whole article, click here: http://www.insurance.com/auto-insurance/rate-increases-and-traffic-tickets.aspx.
If you’ve been charged with a motor vehicle offense or DWI (also known as Driving Under the Influence, or DUI), you should contact an experienced attorney. The Law Offices of Apicelli & Costanzo can provide aggressive representation against all DWI and traffic tickets. We are dedicated to mitigating the adverse consequences posed by DWI infractions and motor vehicle offenses. Our firm has represented many clients that have received traffic summonses in the municipal courts of Toms River, Ocean County, and across the entire State of New Jersey. Contact us, and let us assist you in protecting your rights and avoiding the harsh consequences that these traffic ticket violations and DWI offenses can pose.