Insurance Tickets

Insurance Tickets

Have you or a family been cited for driving without insurance or failure to exhibit an insurance card? If so, you owe it to yourself and your family to have experienced counsel by your side. You need the sound counsel of a highly competent attorney familiar with the municipal court system. The experienced attorneys at Malamut & Associates can help you. Contact Malamut & Associates today to schedule a consultation. We look forward to meeting you.

Municipal court matters are often taken far too lightly. If you have been charged with a violation of New Jersey law and are required to appear in municipal court, the consequences can be significant. A traffic violation, DUI, or Drug Possession can result in the suspension of your driving privileges, monetary penalties, community service, increased auto insurance premiums, and even jail time. Matters of the Municipal Courts may seem like they are no big deal. That is, until you’re standing in front of the prosecutor or judge with nothing to say in your defense. Sure, some people can handle their own Municipal issues successfully without a lawyer. Maybe they will get the best possible outcome. Maybe they won’t. They probably don’t know if they did or they didn’t. Sadly, the majority of people who go it alone wish they had the foresight to seek legal advice before walking into that courtroom. If you or a family member are facing charges in the municipal courts, do not hesitate to contact Malamut & Associates today. Good counsel can mean all of the difference.

At Malamut & Associates, we know how frustrating and anxiety inducing the municipal court experience can be. We are committed to representing the rights of individuals facing the municipal court system. We have retired county prosecutors, current municipal court prosecutors, and career defense lawyers at our disposal. We all collaborate to get our clients the best possible results. Before retaining another law firm, you owe it to yourself to speak to us and see what we can do for you. We understand that good people sometimes make mistakes. No firm can guide you through the system better than Malamut & Associates.

Driving Without Insurance in New Jersey

Driving without insurance is one of the more serious motor vehicle offenses in New Jersey. There are particularly harsh penalties for those found to be in violation of N.J.S.A. 39:6B-1, the law that requires every owner or of a vehicle in the state to carry liability insurance coverage. The first time someone violates the law, they are subject to a fine of at least $300 and up to $1,000, community service, DMV surcharges of $250 for three years, and a mandatory license suspension of one year. There may also be additional court costs and fees. A second offense carries a fine of up to $5000, a mandatory jail sentence of 14 days, 30 days community service, and a license suspension for two years. Even after two years, the driver’s license will not be automatically returned, the person must apply for reinstatement.

“No Pay, No Play”

New Jersey requires that all drivers to carry liability insurance. In addition to the fines, penalties, and even jail time noted above, uninsured drivers also run a risk of being subject to “No pay, no play”. What “No pay, no play” means is that if you are injured in a car accident that is somebody else’s fault, and you did not have insurance at the time of the accident, you may be prohibited from recovering any recovery money from the at fault driver. It is essentially a punishment that bars you from benefiting from the liability laws when you are not complying with the law yourself.

Is there any point to contesting a Ticket?

Yes. We are stating emphatically that there is a clear upside to fighting these violations.

By paying a ticket, as issued by the officer, you are potentially adding points to your record. This will increase your insurance policy premiums. It can also lead to having you driver’s license suspended or revoked completely. We are happy discuss your particular case with you directly.

Contact Malamut & Associates today to schedule a free consultation.


We offer free consultations in person at our Cherry Hill, NJ office, or we can come to you. All personal injury cases are handled on a contingency basis, meaning that you will not pay any attorney fees at all unless we secure recovery compensation on your behalf. If we are not the appropriate firm to help you, we will offer counsel as to your best options. A representative of the firm can be reached at (856)424-1808, 24 hours a day, 7 days a week, 365 days a year. We look forward to meeting you.