Every time a police officer cites someone for a traffic infraction, the driver has to pay a fine to settle the ticket. They also have points that go on their driver’s license.
Most people focus more on the fine than the points, but those points may be the bigger concern. The more points you accrue on your driving record, the more likely you are to have issues with your license in the future.
Points on your license will mean higher insurance rates
The fine for your traffic ticket is a cost you only have to pay once, but the increase in your insurance rates will haunt you for at least several years.
The more points you have on your license, the more your insurance company will charge you to renew your policy. They will check for points even if you don’t report them. After all, more infractions often mean more dangerous driving and therefore more risk that they will have to pay out on a claim.
Too many points might cost you your license
You could lose your license immediately for certain driving offenses, like drunk driving. However, even multiple lower-level traffic offenses within a couple of years could cost you your license. Some traffic offenses may carry only two points, but others carry four or even more.
If you accrue 12 points on your record, New Jersey will likely suspend your license. Fighting a traffic ticket may not save much money when you think about just the fine. However, when you factor in the long-term insurance costs and the risk to your license itself, the cost of fighting a ticket could be far lower than paying it if you don’t have to.