Insurance & DMV Surcharges

Car Insurance & DMV Surcharges

If you are picked up for speeding, you may pay the fine (which means you plead guilty) and not think any more of it. If you are convicted of DWI/DUI, you will pay a fine, lose your driving privileges, pay a reinstatement fee to get your driver’s license back after suspension, and be assessed MVC/DMV surcharges.

MVC Points, NJ PAIP Points, Car Insurance Cancellation

In addition to the penalties you are assessed by the State of New Jersey, you continue to be required to carry motor vehicle insurance. Insurance companies keep track of your driving record and have their own system of points assessed for at-fault accidents and moving violations, and surcharges for high risk drivers. If you accumulate seven New Jersey insurance points, you will be considered a very high risk driver and will be required to pay car insurance surcharges. As a high risk driver or if your auto insurance policy has been canceled mid-term, you will be eligible to get insurance through a NJ PAIP certified producer, but you will have to pay high risk rates. These are very expensive policies.

The consequences of traffic offenses on a driver’s record are severe and long-lasting. You can only make a well-informed decision about how to proceed after discussing your case with an attorney with the appropriate experience. If you would like to speak with a traffic lawyer from our firm, call 1-732-845-3203 or e-mail Ray at to set up a consultation.

I represent clients who have received a summons or been arrested on a wide variety of traffic violations, defending them throughout New Jersey.

The Law Offices of Raymond A. Raya, Esq.

Monmouth County Lawyer

Traffic · DUI/DWI · Criminal Defense · Municipal