Are There Insurance Points Charged For An Unsafe Driving Ticket In Nj?


When you get a traffic ticket in New Jersey, it’s important to understand your rights and what you can do to protect yourself. Whether the ticket is for a minor infraction or a more serious offense, there may be points charged that can affect your driving record. In this blog post, we will discuss the reality of getting an unsafe driving ticket in New Jersey and how to protect yourself from any potential damage. We will also address whether or not insurance companies may charge you for these offenses.

What are Insurance Points Charged For An Unsafe Driving Ticket In NJ?

An unsafe driving ticket in New Jersey can result in a driver receiving a traffic ticket, and if convicted, could lead to higher insurance rates. Here’s a look at the factors that may impact how much insurance points are charged for an unsafe driving offense:

The severity of the offense. A more serious offense will typically result in higher insurance points being assessed.
Speeding. Speeding is typically considered an unsafe driving offense and is often associated with increased insurance rates.
Age and driving history. Younger drivers typically have less driving experience and are therefore considered to be more risky drivers, which can lead to them receiving higher insurance rates. Drivers with a poor driving history may also receive higher insurance rates due to this factor.

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Can You Get Your Ticket Cancelled If You Have Insurer Points?

If you have an insurance policy with NJ State Policemen andemnbers (NSPD), then points will be assessed against your policy for any driving offenses. Points assessed against your policy will result in a suspension or cancellation of your policy. The amount of points assigned to a particular offense will depend on the severity of the offense. For example, a speeding ticket with two points assigned will result in a suspension, while a DUI offense with ten points assigned will result in the cancellation of your policy.

If you are facing a driving charge and think that you may have insurance points charged against you, it is important to speak with an insurance representative to determine whether or not this is the case. Additionally, it is always advisable to contact your insurance company as soon as possible after receiving notification of a traffic citation so that any questions or problems can be resolved before they cause significant damage to your policy.

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Is It Possible To Receive A Reduction In Your Insurance Rates Because Of An Unsafe Driving Record?

Yes, it is possible to receive a reduction in your insurance rates because of an unsafe driving record. Your insurer may consider factors such as your driving history, the nature of the violation, and your driving record overall. In some cases, you may be eligible for a partial or total reduction in rates. If you have any questions about whether you are eligible for a reduction in rates, please speak with your insurance company directly.


If you have been issued a traffic ticket in New Jersey, there may be insurance points charged against your driving record. Traffic tickets can result in severe consequences for drivers, including fines, fees, and even jail time. If you find yourself facing any of these penalties, make sure to work with an experienced traffic attorney who can help you defend your case and mitigate the damage that a traffic ticket could cause.