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bride2be09 asked:


I just received a ticket for “Failure to Obey Traffic Control Device” in the city of Philadelphia. The officer “observed” me speeding through a school zone, but I’m really confused with the ticket. First off, I was stopped at a traffic light in the school zone and he was clearly stationed just past the intersection. There is no clocked speed on the ticket and no way I could have gotten my car to 15 mph by him when the light turned green since he was maybe 25 feet away. (My car has sucky acceleration, although it does sound like it’s going faster than it is because the engine works so hard!) My question is twofold – is this worth fighting (it carries no points, but a pretty hefty fine) and will this affect my auto insurance rates (I’m registered in New Jersey)? Anyone with any experience with this?
PS: Not to mention, I’m not an idiot! See police officer ahead = slowwwwww!!!! And the only other time I had a ticket was five years ago when I was 19. I KNEW I was in the wrong then and utterly panicked when I saw those lights go on. This time, I really thought he was going to tell me my headlight was out or something! No way I was speeding through there…..
He was stationed with his lights on in the middle lane of the three-lane road (he was sitting in the middle just past traffic light). Everyone in front of me was moving slowly around him, and especially me because I had a large vehicle in front of me before the light (I have a little go-kart Saturn!) and I thought there may have been an accident with where he was sitting with lights on. When the light turned yellow, I didn’t go through (cop there!! lol) and ended up being the first one in line at the light.
There is no clocked speed on ticket. That section is blank except for the word “Observation” written in the line that says “Nature of Offense”.

Jean

Alvin asked:


1. the insurance companies raise your premium based on tickets or points? The reason why I am asking is that I got a tickets for running a red light, its 2 points. I dont know if I should go to the court and pay more in order to get rid of the points. I mean the tickets is still there and insurance company will finally see it even though there is no point right? not very sure…..
I think I can do that since I had experince before, I do have few tickets these years.

Marion

Mrs. Jacob Black asked:


so my daughters name is not with the insurance company. she got in a car accident but we didnt file a police report. but now i wanna call the insurance company so they can fix the other persons car. can i file a claim with the insurance company if her name is not with insurance? i live in new jersey

Marilyn

eb asked:


I stay at a friends home several nights a week. Should I notify my car insurance company. I live in New Jersey, visit Philadelphia.

Howard

Timothy M asked:


Is there a statute of limitations on claiming a stolen vehicle in New Jersey to auto insurers. The story goes about 6 months ago I had a car parked on a street for several weeks. When I went back to get the car I thought the car was towed and then was soled at auction because thats what they do with unclaimed vehicles that are towed. I called the Parking authority and they told me that the car was never towed or sold and that I should call the police and claim a stolen vehicle. So A. can I file a police report for a stolen vehicle 6 months after the fact it was stolen, and B. does anyone know if there is statute of limitations on claiming stolen vehicle to the insurance company the car had Full Coverage on it at the time.

Vanessa