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08-25-2006, 06:40 PM #4
Senior Member
Can you believe this shit?
Most states now have Driver Responsibility Charges a/k/a Insurance Surcharges. How each state administers them is different. If I remember correctly (in New Jersey), there are certain offenses that automatically hit you with 'Insurance Surcharges'....a set amount you pay every year for three years. At the same time, once you accumulate so many points, you also get hit with these charges and they increase every time thereafter when you get a ticket until your points drop below a certain level.
Now, here's the skinny....PAY THE CHARGES. In NJ, they allowed you to setup a monthly pay schedule, so you pay the charges off over an installment plan. If you don't pay the charges, initially, your license is suspended. So, if you get caught, you go down for not paying the surcharge and driving while suspended. If you continue to not pay, then NJ would have a civil judgement issued. This goes on your credit report and I belieev stays for like 7 years. It's a humongous black eye. Additionally, if you try to move out of state, most states are 'recipricol'. This means when you apply for a license in another state, they'll check your history in your previous state and deny you a license if you have outstanding charges. But wait boys and girls, it gets better... Let's say you pay the charges this year. Next year, you move to another state. Well, you're still on the hook in your original state for those charges. If you then fail to pay, the state you currently reside WILL suspend your license eevn though it's not them you owe money to.
Lesson learned (pick better friends)...just pay the charges off and be done with it.
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