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Car Insurance Question  I have 6 surcharges on my license. None have to do anything with excessive speed or any accidents. One more will suspend my license, how do I know what is surchargeable or not, because it seems that even making eye contact with an officer is a surchargeable offense.

State offenses and surchargable events can vary from state to state. For example in New Jersey surcharges are fines assessed by Motor Vehicle Commission (MVC) on an annual basis for drivers who have earned excessive points or committed a specific violation such as DUI. Surcharges are in addition to any court fines/penalties.

In NJ, your record is reviewed every time points are added to it. If you accumulate six or more points within three years from your last posted violation, you will receive a $150 surcharge plus $25 for each additional point.

Additional surcharges may also apply:

  • $100 for driving without a license
  • $250 for driving with a suspended license
  • $100 for failure to insure a moped
  • $250 for operating an uninsured vehicle
  • $1,000 for DUI, 3 years
  • $1,000 for Refusal to take breathalyzer test, 3 years

If you do not pay your surcharges, MVC will suspend your driving privileges indefinitely and take action in the State Superior Court. This may include securing a lien against your property, garnishing your wages or other similar actions.
If you have surcharges that result from unpaid tickets or other unresolved legal issues, you will need to contact the court that is responsible for your case.

If you are located in a state other then NJ, your local Department of Motor Vehicles should be able to provide with detailed information on your state's surcharageable events and offenses. If your auto insurance is also being surcharged then ask your agent what violations are surchargeable according to your provider's rating system. 

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This car insurance question was asked on 11/26/2006
This auto insurance answer was last updated on 11/30/2006
Xavier requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
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