“Should you just pay my ticket off?” We get asked that question a lot.
The answer in most cases is “No!” Although the court system has made it easy to pay your speeding ticket, what court system doesn’t tell you is that the ease of clicking on their pay button is likely causing motorists thousands of dollars in increased auto insurance rates.
The simple truth is that paying that ticket on line could result in insurance points.
What are insurance points? A system set up by our legislature that allows insurance companies to raise your rates when you are convicted of a moving violation, and when you click on the pay button you are pleading guilty.
So, should you pay that ticket off? Well, that depends on your driving record and what you are charged with. Take the example of one of the most common tickets written in Alamance County: speeding 80/65. If you buy your auto insurance in NC paying that ticket off on line will result in 4 insurance points or an 80% insurance increase for the next three years.
If you’re not sure whether you should just pay the ticket off call us. We’ve been around for 15 years, and we’re old fashioned. I’ll never take a case and charge you a legal fee for something that you could have simply paid off and gotten the same result.
Our office is on the I-85 corridor, which means we talk to people from many different states who are passing through and receive speeding tickets in Alamance County. One question that gets frequently asked by people from other states is, “what is a PJC?”
A PJC, or prayer for judgement continued, is a creature of North Carolina law, whereby a final judgement is never entered. In the case of speeding tickets the upshot is that a PJC can be used to avoid both insurance points and driver’s license points, with certain restrictions.
In general, you can use 1 PJC per household every 3 years to avoid North Carolina insurance points and 2 PJC’s per driver every 5 years to avoid North Carolina driver’s license points. You cannot use a PJC for a DWI, or for driver’s license purposes if you have a commercial driver’s license.
There are other restrictions on the use of a PJC, some of them statutory, others more a matter of policy. The PJC is just one tool that can be used to help people who receive speeding tickets.
If you’ve received a traffic ticket in Alamance County and want an estimate of how we can help you, call us at (336) 570-1923. We’ve helped over 9,000 drivers reduce or eliminate the imposition of insurance points and we would love to hear from you.
Hi. My name is Eb Rossi, and I’ve been representing people who get speeding tickets in Alamance County District Court for the past 15 years. During that time I have personally represented over 9,000 motorists with just one goal: to reduce or eliminate the imposition of insurance points. In fact, that goal is so important that we prominently state it in every contract.
If you’ve received a speeding ticket in Alamance County you have to know that we historically been one of the harder counties in the piedmont triad in which to resolve a speeding ticket. This was by design. While the counties that surrounded us routinely gave people an opportunity to plead to non moving violations (improper equipment), a former District Attorney stated his policy something like this, “the only thing improper is their right foot.” The quote may be a little off, but the intended sentiment is not. He took the position that people who speed should pay higher insurance rates. Accordingly, he was not going to let people plead to improper equipment.
Things have now changed in the county, but most of our District Court Judges still continue to limit their own discretion, refusing to grant a pjc (another form of relief) in cases where the officer alleges that the motorist was speeding more than 20 miles per hour over the speed limit. (The law actually allows judges to grant that relief in cases up to 25 miles per hour over the speed limit)
What this all means is that you have to know our forum. Be careful. Not knowing your forum means you may not get the best deal. Finally, you should also bear in mind that neither the D.A. nor the judge can give you legal advice.
So, if you received a speeding ticket in Alamance County and want the help of an experienced Alamance County traffic lawyer, please give us a call at (336) 570-1923. Our office is just three minutes from the court house, and we accept Visa and MasterCard for your convenience.
How will this ticket affect my insurance? That’s one of the first questions we get when someone calls us about a traffic ticket in Alamance, Guilford, or Orange Counties. What follows is usually a statement to the effect of “I don’t want this to go against my insurance,” or “I don’t want any insurance points.”
Just what are insurance points and how do they work? The simplest answer is that points are part of a system developed by the insurance industry and government to charge higher auto insurance premiums on drivers who speed or are involved in other behavior that increases the risk that an insurance company will have to pay a claim. They are not same thing as drivers license points. In North Carolina, insurance points are governed by the Safe Driver Incentive Program.
What’s hard for people to understand is that insurance points are not the same as driver’s license points. However, in order to try to avoid insurance points you have to know what’s on a person’s driving record. To further complicate things, neither the judge nor the district attorney can give you legal advice. Moreover, it’s confusing have to juggle drivers license points and insurance points in your head when you don’t this for a living.
If you purchase your auto insurance in North Carolina, this link to the Department of Insurance’s website may be helpful. For example, if you are reading it correctly, it shows that a conviction for speeding 80/65 will result in insurance points that will raise your North Carolina auto insurance rates by at least 80%.
Does this mean that if you got a ticket for speeding 80/65 you will automatically be assessed insurance points that will raise your insurance by 80%? No! If you know what you are doing, it’s frequently possible to completely eliminate or reduce the imposition of insurance points. In fact, that’s the premise that we’ve built our whole practice around: eliminating or reducing the imposition of insurance points. Over the past 10 years we’ve served over 9,000 motorists and have prominently featured that goal in all our traffic contracts.
If you’ve received a traffic ticket in Alamance County, Orange County, or Guilford County and are concerned about the insurance points that may result from this ticket call us at (336) 570-1923.
People frequently ask us what they can do to make their Alamance County speeding ticket “go away.” Sometimes friends have told them about a charge of improper equipment, and they ask us if we can get them an improper equipment, or if they can go to driving school.
Unfortunately, the short answer is no. In the ten years that I’ve been representing people who got speeding tickets in Alamance County, I’ve only been able to get 2 improper equipment charges for my clients, and in order to get them we had to have a trial and prove beyond a reasonable doubt that my client’s speeding was caused by a faulty speedometer. Out of the 9,000 plus traffic cases that we’ve handled, only two (2) improper equipment charges in Alamance County. Why? It’s because Alamance County is a tough place to get a speeding ticket, and there is an official policy against modifying speeding charges to the lesser included offense of improper equipment.
Does that mean there is nothing you can do to avoid insurance or drivers license points in Alamance County? Of course not. However, it does mean that you have to know what you’re doing when you try handle a speeding ticket in Alamance County. You have to be sure you know what’s on your driving record (and possibly your family members driving record) and you have to know the law. Remember — neither the District Attorney nor the judge can give you legal advise.