Ok, I got a 4 point speeding ticket the other day, and I know that when I go to reduce the ticket, the prosecutor will ammend it to either a reduced 2-point speeding/careless driving ticket OR a 0 point "unsafe driving" ticket. I currently have 0 points on my license, and I havent gotten any moving violation tickets in over 5 years. I also know that in NJ, you can only do the "unsafe driving" ammended ticket twice in 5 years ( three or more times within that 5 year period, it automatically turns into a 4 point ticket!).
My question is this: I would gladly take the "unsafe driving" ticket and get the 0 points (but pay the heftier fine for this ticket), but I heard that insurance companies do not differentiate between regular moving violation tickets (which carry points) or the "unsafe driving" ticket (which carries 0 points) when assessing the insurance bill! If that is the case, then I would take the reduced 2-point ticket (i.e. careless driving ticket) since that ticket will be cheaper than the "unsafe driving" ticket, and that my insurance will go up regardless! Anyone have any experience with this???
My question is this: I would gladly take the "unsafe driving" ticket and get the 0 points (but pay the heftier fine for this ticket), but I heard that insurance companies do not differentiate between regular moving violation tickets (which carry points) or the "unsafe driving" ticket (which carries 0 points) when assessing the insurance bill! If that is the case, then I would take the reduced 2-point ticket (i.e. careless driving ticket) since that ticket will be cheaper than the "unsafe driving" ticket, and that my insurance will go up regardless! Anyone have any experience with this???