N***U
发帖数: 1242 | 1 78 33出口下来的时候娃在后面哭，回头看了一下娃，没注意绿灯变了黄灯又变了红灯
，刚拐不到20米就被躲在Exxon 油站的警察pull over 了。于是上庭，检察官说，我们
make deal 吧，250（onetime charge)+33 （court fee) +109 (fine), 免点。因为08
年在county club road 超速的4点还背着，所以从了。
有哥们说便宜，没觉得啊，为了这2点，我可是付了400刀呢。：（（ |
w*****a
发帖数: 505 | 2 wow， 邻居啊。 我天天从33进出。 这个口上天天有埋伏。还有一辆灰色的Charger，
是便衣。 你有前科，所以付款高。 我“初犯”，嘿嘿，所以只有85刀。不过你买
points是对的。
08
【在 N***U 的大作中提到】
: 78 33出口下来的时候娃在后面哭，回头看了一下娃，没注意绿灯变了黄灯又变了红灯
: ，刚拐不到20米就被躲在Exxon 油站的警察pull over 了。于是上庭，检察官说，我们
: make deal 吧，250（onetime charge)+33 （court fee) +109 (fine), 免点。因为08
: 年在county club road 超速的4点还背着，所以从了。
: 有哥们说便宜，没觉得啊，为了这2点，我可是付了400刀呢。：（（
|
s*i
发帖数: 1402 | 3 有没有point有多大区别？
，
【在 w*****a 的大作中提到】
: wow， 邻居啊。 我天天从33进出。 这个口上天天有埋伏。还有一辆灰色的Charger，
: 是便衣。 你有前科，所以付款高。 我“初犯”，嘿嘿，所以只有85刀。不过你买
: points是对的。
:
: 08
|
m****s
发帖数: 7397 | 4 what they say?
baby in the backseat causes accident.
accident in the backseat causes......BABY!
08
【在 N***U 的大作中提到】
: 78 33出口下来的时候娃在后面哭，回头看了一下娃，没注意绿灯变了黄灯又变了红灯
: ，刚拐不到20米就被躲在Exxon 油站的警察pull over 了。于是上庭，检察官说，我们
: make deal 吧，250（onetime charge)+33 （court fee) +109 (fine), 免点。因为08
: 年在county club road 超速的4点还背着，所以从了。
: 有哥们说便宜，没觉得啊，为了这2点，我可是付了400刀呢。：（（
|
w*****a
发帖数: 505 | 5 加一句， 我前面的人都是400刀买points的。 轮到我，那个法官好像瞪了我一眼，听
到我谢绝了他要求我买点数的好意。 |
m****s
发帖数: 7397 | 6 buy points is not really a good deal.
Insurance CAN still raise your premium...
，
【在 w*****a 的大作中提到】
: wow， 邻居啊。 我天天从33进出。 这个口上天天有埋伏。还有一辆灰色的Charger，
: 是便衣。 你有前科，所以付款高。 我“初犯”，嘿嘿，所以只有85刀。不过你买
: points是对的。
:
: 08
|
w*****a
发帖数: 505 | 7 没记录保险公司怎么知道
【在 m****s 的大作中提到】
: buy points is not really a good deal.
: Insurance CAN still raise your premium...
:
: ，
|
N***U
发帖数: 1242 | 8 握爪！！
Bernards township 的警车TMD（原谅情不自禁说脏话）是黑色的，所以没有一定距离
根本看不出来上面的字，尤其是天色不好的时候，不像Newark和其他town的警车是白底
蓝字，很容易辨认。
上庭是没办法，可是85刀也不便宜啊，老兄有点误导哦。
，
【在 w*****a 的大作中提到】
: wow， 邻居啊。 我天天从33进出。 这个口上天天有埋伏。还有一辆灰色的Charger，
: 是便衣。 你有前科，所以付款高。 我“初犯”，嘿嘿，所以只有85刀。不过你买
: points是对的。
:
: 08
|
w*****a
发帖数: 505 | 9 唉，我无聊BSO一下la。不过闯红灯我的理解应该比超速更危险吧。但罚的相对少一些。
这附近犯罪率可能是0，警察没事干靠抓人找乐。
【在 N***U 的大作中提到】
: 握爪！！
: Bernards township 的警车TMD（原谅情不自禁说脏话）是黑色的，所以没有一定距离
: 根本看不出来上面的字，尤其是天色不好的时候，不像Newark和其他town的警车是白底
: 蓝字，很容易辨认。
: 上庭是没办法，可是85刀也不便宜啊，老兄有点误导哦。
:
: ，
|
m****s
发帖数: 7397 | 10 let me make it short and clear:
1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
insurance assign their OWN points system to violations.
4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
up. Making them believe the "purchase" helped, while IN FACT, what helped
them was the fact they didn't have 前科， the INS company sometimes let the
first violation go.
【在 w*****a 的大作中提到】
: 没记录保险公司怎么知道
|
|
|
w*****a
发帖数: 505 | 11 interesting. 当年我在麻省拿过一张breakdown lane的ticket， 不过45刀。 但是保
险涨了六年，每年多200premium啊。六年后点数回零，才把保险降下来。
record.
most
the
【在 m****s 的大作中提到】
: let me make it short and clear:
: 1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
: record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
: 2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
: 3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
: insurance assign their OWN points system to violations.
: 4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
: up. Making them believe the "purchase" helped, while IN FACT, what helped
: them was the fact they didn't have 前科， the INS company sometimes let the
: first violation go.
|
m****s
发帖数: 7397 | 12 Prior to 2008, Commonwealth of Massachusetts runs its OWN one-of-a-kind auto
insurance. It is a state governed, NON-Market insurance.
The state determines insurance rates. All rates from all companies are the
same, given the same car information.
There was no auto-insurance market. INS companies merely serve as state
agents.
Things therefore cannot be compared with the rest of 50 states.
【在 w*****a 的大作中提到】
: interesting. 当年我在麻省拿过一张breakdown lane的ticket， 不过45刀。 但是保
: 险涨了六年，每年多200premium啊。六年后点数回零，才把保险降下来。
:
: record.
: most
: the
|
j****j
发帖数: 2780 | 13 懂得真多啊
auto
【在 m****s 的大作中提到】
: Prior to 2008, Commonwealth of Massachusetts runs its OWN one-of-a-kind auto
: insurance. It is a state governed, NON-Market insurance.
: The state determines insurance rates. All rates from all companies are the
: same, given the same car information.
: There was no auto-insurance market. INS companies merely serve as state
: agents.
: Things therefore cannot be compared with the rest of 50 states.
|
l*****y
发帖数: 130 | 14 Do you work at Chubb?
auto
【在 m****s 的大作中提到】
: Prior to 2008, Commonwealth of Massachusetts runs its OWN one-of-a-kind auto
: insurance. It is a state governed, NON-Market insurance.
: The state determines insurance rates. All rates from all companies are the
: same, given the same car information.
: There was no auto-insurance market. INS companies merely serve as state
: agents.
: Things therefore cannot be compared with the rest of 50 states.
|
f*a
发帖数: 262 | 15 NJ很变态，你有6个点了，政府向你收insurance surchage(不是保险公司收）,差不多
200刀一年,直到你低于6个点为止。
我的insurance倒是从来没有因为有点涨价过。
record.
most
the
【在 m****s 的大作中提到】
: let me make it short and clear:
: 1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
: record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
: 2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
: 3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
: insurance assign their OWN points system to violations.
: 4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
: up. Making them believe the "purchase" helped, while IN FACT, what helped
: them was the fact they didn't have 前科， the INS company sometimes let the
: first violation go.
|
m****s
发帖数: 7397 | 16 i am chubby in Hoboken. :):)
【在 l*****y 的大作中提到】
: Do you work at Chubb?
:
: auto
|
m****s
发帖数: 7397 | 17 that sounds like a legit reason to BUY points (NJMC points), especially when
your accumulation is getting close to 6.
about what you just said,
If you think that's 很变态, what do you think of the NJ INS price adjustment
that EVERY good driver has to pay, even ones with excellent record. In my
case, it is almost $20 a year, charged by GEICO, in addition to my premium.
This thing, on everyone's bill, is called NJ PLIGA Surcharge.
It is a cost to something similar to FDIC in the banking depository business
. NJ insures the survival of smaller, weaker auto insurance firms. and this
cost is picked up by ALL INS companies doing business in NJ, and they, in
turn charge all their customers. regardless of quality.
now, that is 很变态!
【在 f*a 的大作中提到】
: NJ很变态，你有6个点了，政府向你收insurance surchage(不是保险公司收）,差不多
: 200刀一年,直到你低于6个点为止。
: 我的insurance倒是从来没有因为有点涨价过。
:
: record.
: most
: the
|
b******o
发帖数: 5644 | 18 多交点长记性。我06年超速罚180，两年多都只开限速。 |
u******n
发帖数: 552 | 19 2年多以后呢？每次超20还是低20？
【在 b******o 的大作中提到】
: 多交点长记性。我06年超速罚180，两年多都只开限速。
|
X***y
发帖数: 3947 | 20 顶
record.
most
the
【在 m****s 的大作中提到】
: let me make it short and clear:
: 1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
: record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
: 2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
: 3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
: insurance assign their OWN points system to violations.
: 4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
: up. Making them believe the "purchase" helped, while IN FACT, what helped
: them was the fact they didn't have 前科， the INS company sometimes let the
: first violation go.
|
|
|
t**n
发帖数: 4365 | 21 mark
record.
most
the
【在 m****s 的大作中提到】
: let me make it short and clear:
: 1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
: record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
: 2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
: 3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
: insurance assign their OWN points system to violations.
: 4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
: up. Making them believe the "purchase" helped, while IN FACT, what helped
: them was the fact they didn't have 前科， the INS company sometimes let the
: first violation go.
|
s*******e
发帖数: 3042 | 22 It's interesting to learn this. I had auto insurance in Mass for 6 years. As
far as I know, the rates differences from different providers were huge.
Everyone shopped around. They wouldn't have bothered if there was only rate.
The truth is that Mass had a heavily regulated auto insurance market until
2008. But that is not equal to single rate. The regulation was lifted after
2008 and out of state insurers flooded the commonwealth, which is certainly
a good thing for drivers.
auto
【在 m****s 的大作中提到】
: Prior to 2008, Commonwealth of Massachusetts runs its OWN one-of-a-kind auto
: insurance. It is a state governed, NON-Market insurance.
: The state determines insurance rates. All rates from all companies are the
: same, given the same car information.
: There was no auto-insurance market. INS companies merely serve as state
: agents.
: Things therefore cannot be compared with the rest of 50 states.
|
s*******e
发帖数: 3042 | 23 OK, this is not entirely correct. When you buy points, you still have
records. But it will be a different one from your original violation. This
new violation is often deemed less 'bad' by your insurers.
record.
most
the
【在 m****s 的大作中提到】
: let me make it short and clear:
: 1) your record is NOT 没记录. when you PAY, you bid guilty. you HAVE a
: record. AND INSURANCE COMPANY see them. points or not, they SEE your record.
: 2) NJMC system takes away your POINTS. that's NJ Municipal Court POINTS.
: 3) Insurance care about your VIOLATION, NOT your NJMC points. in fact, most
: insurance assign their OWN points system to violations.
: 4) A lot of people BOUGHT POINTS and didn't see their insurance premium go
: up. Making them believe the "purchase" helped, while IN FACT, what helped
: them was the fact they didn't have 前科， the INS company sometimes let the
: first violation go.
|
m****s
发帖数: 7397 | 24 In Massachusetts, everyone, you, were not shopping around for rates. rates
is one and decided.
you were shopping for "discounts" and "reductions" for multiple lines, good
driving records, young and straight A students, low mileages, excellent
credit scores, and huge boobs and so on. all kinds of game, those poor INS
company came up with to get price a bit lower to entice "customers".
I figure they still make more money, with more customers, and more customers
potentially brings more business to other lines.
that makes the "discount" game playable.
As
rate.
after
certainly
【在 s*******e 的大作中提到】
: It's interesting to learn this. I had auto insurance in Mass for 6 years. As
: far as I know, the rates differences from different providers were huge.
: Everyone shopped around. They wouldn't have bothered if there was only rate.
: The truth is that Mass had a heavily regulated auto insurance market until
: 2008. But that is not equal to single rate. The regulation was lifted after
: 2008 and out of state insurers flooded the commonwealth, which is certainly
: a good thing for drivers.
:
: auto
|
m****s
发帖数: 7397 | 25 I think you have a good point there.
that IS a potential benefit of "buying points".
it depends on your negotiation with the prosecutor.
【在 s*******e 的大作中提到】
: OK, this is not entirely correct. When you buy points, you still have
: records. But it will be a different one from your original violation. This
: new violation is often deemed less 'bad' by your insurers.
:
: record.
: most
: the
|
n*********e
发帖数: 25274 | 26 What is "breakdown lane"?
【在 w*****a 的大作中提到】
: interesting. 当年我在麻省拿过一张breakdown lane的ticket， 不过45刀。 但是保
: 险涨了六年，每年多200premium啊。六年后点数回零，才把保险降下来。
:
: record.
: most
: the
|
n*********e
发帖数: 25274 | 27 估计是过来人,手捏10张以上tickets,久病成医.
【在 j****j 的大作中提到】
: 懂得真多啊
:
: auto
|
m****s
发帖数: 7397 | 28 highway shoulder.
in Massachusetts it is called breakdown lane. where you fix your brokendown
car.
it is LEGAL to drive during rush hours. on some of the highways there.
and not legal any other time.
【在 n*********e 的大作中提到】
: What is "breakdown lane"?
|
