Speeding + Insurance

by asmallchild » Wed Sep 03, 2008 11:13 pm

About me:
Male, mid-20's, caught speeding for the very 1st time today, 82 in a 65mph zone

Where: PA

Where I'm originally from: NJ

What I Know: Usually a 4 pt infraction. But across state borders, I'm told 2 pts.

What I Want to Know: What do I do from here?

I've been told to:
1) Take a defensive driving course to eliminate the points. (I DON'T want to pay thousands in car insurance over the next 3 years)
2) Plead not guilty, go to court, and offer to pay more upfront to erase the points.
3) Plead guilty, pay the fine, accept the points, and suffer for speeding.

Any advice would be great for this desperate, immature fool. (You'd think the insurance companies would be lenient for a dude who's gotten to his mid-20's without a single traffic infraction but apparently speeding 17mph above the speed limit is a huge no-no)

Total Comments: 20

Posted: Thu Sep 04, 2008 12:28 am Post Subject:

Is #2 like a bride? You offer to pay the judge off for reduced points? I've never heard of paying more to have the state "over look" a wrong doing. If this works, let me know as I have some extra cash and would love to break some laws with no worries.

#3 Makes little sense to me. Why pay more if you can avoid it?

#1: I searched a few sites and found some information that indicated PA does not allow traffic classes to remove points from drivers licenses. Other information I found states that you should contact your local court as it might be possible that an online course will dismiss the citation.

My suggestion... before you determine what to do, call your local court and ask how driving school would affect your situation.

Posted: Thu Sep 04, 2008 12:58 am Post Subject:

I agree contact the court, and then you might contact a traffic attorney, I know our daughter got an attorney twice, (one more ticket and she'd have lost her license) and some how got them reduced to defective vehicle..I know don't ask me, what one has to do with the other, I just know the girl paid the attorney 200 bucks and poof it was gone, no points....certainly worth a shot....

Posted: Thu Sep 04, 2008 04:18 am Post Subject:

The PA DMV says that if you have been cited for traffic violation you are required to pay the fine at the local court and settle the matter. However, I doubt that it will help you in eliminating the points from your record because for paying the fine you are required to plead guilty, which anyway will stick to your license, as well as to your driving record, for the coming days.

However, if you have maintained a clear record so far, the insurer may take a lenient approach this time, which may yield an unaltered premium rate ;)

~Jeremy

Posted: Thu Sep 04, 2008 04:30 am Post Subject:

Hi tcope,

I'd truly love to know more about your opinion regarding this one-

Other information I found states that you should contact your local court as it might be possible that an online course will dismiss the citation.

After so many months of watching your posts & getting a taste of your knowledge & conscience, I have very little doubt that you'd not accept such ideas as an "online course" if it has got nothing to do with practical training sessions.

I'd be truly glad if you'd tell me more about the design & content of such training sessions as this one. May be I'm missing out on facts that I'd love to get updated with. Thanks, Fatman

Posted: Thu Sep 04, 2008 04:56 am Post Subject:

Hi, see, the dept. of transportation has the responsibility to store the driving history for all drivers who got their license under the PA regulations. Under circumstances that a driver commits a driving error points would be attached to his driving record as a measure of penalty.

If he commits such a mistake for the second time, then the highest point value would be added to his record. So, I don't see any reason why PA would not check such untimely & unjustified removal of points which would mean nothing but a wholesome relaxation & encouragement of negligence on the road.
Regards, ArindamSenIndies

Posted: Thu Sep 04, 2008 05:13 am Post Subject:

Guys, I see there's even something important to note regarding the teenagers-

For guys who are 18 or below, the license would be canceled under the following circumstances:

* 6 or more points have been stored upon their driving record

* Once they have been found guilty of driving at a speed more than 26mph.

The tenure of suspension would be as-

* In case of the first suspension it would be worth 90 days

* For further suspensions beyond the first one it would be worth 120 days.

Regards, Fatman

Posted: Thu Sep 04, 2008 05:26 am Post Subject:

I'd truly love to know more about your opinion regarding this one-

I don't have an opinion about it... it's just one of the things I read on one of the online traffic school's web site:

"Will this Pennsylvania defensive driving course help dismiss a traffic ticket or reduce the fine?
You should always check with your court first. Most courts will allow you to take an online Pennsylvania defensive driving course to dismiss a traffic ticket, but it's ultimately up to the court to grant you this permission."

I was not sure it was correct as other sites had difference information. That is the reason I recommended calling traffic court.

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