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 Posted: Sat Jul 25, 2009 11:59 pm Post subject: NJ Provisional License Violation |
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| My 17 year old son got a ticket for driving with more than one passenger. This is a violation of his NJ provisional license. Although it is considered a non-point, non-moving violation, I've heard it becomes part of his driving record. Will this result in an increase in our auto insurance premiums? |
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stan
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| Posted: Sun Jul 26, 2009 1:03 pm Post subject: |
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| Quote: | | I've heard it becomes part of his driving record. Will this result in an increase in our auto insurance premiums? |
If it indeed is on his driving record, then that's a possiblity, it would depend on your carriers underwriting rules. There isn't anything you can do about it if so. I'd certainly not volunter the information, if asked you will have to tell the truth, but I'd not offer it.
So why did he do this?
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Lori
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| Posted: Mon Jul 27, 2009 4:04 am Post subject: |
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| Quote: | | There isn't anything you can do about it if so. I'd certainly not volunter the information, |
Wouldn't they run a DL check before insuring the boy? IMO insuring a young driver would anyway cost the parents quite dearly and insuring one with violation is going to cost even more. I bet the insurer would increase your costs at the slightest opportunity if they have to cover a 17 years old driver under your policy.
Stan. how long is the violation going to stay on his report? Is he already insured? |
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simon
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| Posted: Mon Jul 27, 2009 8:41 am Post subject: More details/explanation |
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Thanks for the responses. First, my son is already insured on our family's policy. My question was trying to ascertain what effect, if any, a non-moving, non-point violation would have on the premiums in order to make a decision about fighting the ticket.
My son simply had 4 people sitting in his PARKED car, listening to music, when a surly police officer decide to issue him a summons for having too many passengers for a provisional license.
I believe we could legitimately fight the ticket by zero-ing on the definition of "operating a vehicle", but am trying to weigh the risk/reward of fighting a $100 fine plus lawyer costs (probably $500ish) vs. the potential rise in auto insurance premiums if we don't contest the ticket.
Obviously, I don't want to raise this issue with our current carrier (MetLife) because, as one of the responders said, I don't want to "volunteer" this information. So, I'm asking in a forum setting for advice/opinions. Thanks.
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Stan-2
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| Posted: Mon Jul 27, 2009 10:20 am Post subject: |
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Stan, it's really going to be a company dependent thing...You should be able to call their policy services and ask a 'what if' question, (not your agent)...If I thought I could beat the ticket I would certainly do so, without an attorney. You should be able to appear in traffic court with your boy and talk to the judge. What's the worse that will happen? You pay the ticket.
One side of me is incline to say there will be not affect, since it wasn't a moving violation, however, it smacked the provisional part right in the face. Call policy services and ask...see if you can get some info there without giving up who you are etc.
Most carriers will run a drivers license report on all kids yearly...so this will likely been caught.
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Lori
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| Posted: Thu Jul 30, 2009 1:47 am Post subject: Believe it or not ... |
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I'm not allowed to assist my son in court ... can you believe it? As his father, I am not able to talk to, advise, or otherwise assist in my 17-year old son if he were to try and fight the ticket without an attorney ... I couldn't believe this, but apparently that's the case ... thanks for the advice about calling the "policy services" division, but I think that's an idealistic scenario where you'd be able to get information without identifying yourself ... no company (cable, telephone, insurance, etc.) is going to give advice about account implications to a non-customer, so the first thing I'll be asked is my policy number ... and then BOOM(!), I'll be zinged by the policy services rep who will most likely input a note into the companywide system to be on the look-out for a violation by my family's teenage driver ... what I glean from the responses is that this will be a company-specific decision in terms of increasing the premiums ... thanks again to all ... Stan
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Stan-3
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| Posted: Mon Aug 10, 2009 11:33 pm Post subject: Plead Guilty or Not Guilty??? |
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What happened Stan? My son just got a ticket for the same thing. I am upset, because our insurance is so high already! My son was driving with friends, when the cop pulled him over. Is there anyway to fight this, or does he just plead guilty. We can't afford an attorney, and I really need advice!
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ForestFairy
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