Hello
I live in NJ. I got my first traffic ticket (2 pt violation) in New York in August 2004. It didn't show on my driving record until December, 2007. I guess it took time to transfer over. I had no moving violations against until last week December 2008, I just got a 2 pt careless driving ticket for swerving on my way home from work. It was an absurd ticket and I'm thinking about fighting it in court.
My question is, because New York didn't report my other violation until 2007 will insurance screw me over now and if I just pay this ticket I'll have 4 pts on my license instead of 2? It's been 4 years between tickets which is pretty damn good and that just doesn't seem fair.
And also, I already went to court 3 yrs ago and plea bargained for an unsafe driving no point ticket. If I go to court for this careless driving ticket is that what they're likely to offer me again? I was hoping not to get hit with that again for something so dumb.
Answers & Comments
Verified answer
Insurance companies do not care about points, that is strictly for the DMV.
Insurance companies base your rates on your risk factor. Several things affect this, such as how long you have been with the company, how many claims you have, and how many moving violation convictions you have.
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