“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.
If you received a speeding ticket in Alamance County North Carolina, the ticket shows a time and date in which you have to appear to answer the charges, and it also lists Graham, NC as the place to appear. The court house is located at 212 West Elm St., just three minutes from our office.
We regularly represent people who receive speeding tickets and other traffic tickets in Alamance County. Over the past 15 years we’ve helped over 9,000 motorists with just one goal in mind: To reduce or eliminate the imposition of insurance points.
If you’ve received a speeding ticket in Burlington, Graham, Haw River, or Mebane, North Carolina and have questions about how this traffic ticket might trigger drivers license points, insurance points, or otherwise affect your privilege to drive call us at (336) 570-1923.
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.