For traffic offenses one person per household may receive a Prayer For Judgment (PJC) every three years without the offense causing that individual to receive insurance points.
This means that it may be very important to find out the driving histories of other household members on the same insurance policy.
Example 1: Harold and Gertrude have two children Tim and Ken. Harold was caught speeding by Trooper Davis for speeding 79 mph in a 65 mph zone. Harold's attorney reduced the speeding ticket down to a 74 in a 65 mph zone resulting in 3 license points and 0 insurance points. Gertrude gets caught running a stop sign about a year later. She asks the judge for a PJC and gets it. Thus, she receives no license points and no insurance points. Tim just turned 16, and Harold bought him a new Corvette Convertible. 16-year-old Tim gets pulled over by Trooper Harrison for going 80 mph in a 60 mph zone. Trooper Harrison writes Tim the ticket, but Tim gets an attorney who also reduces the ticket down to a 69 mph in a 60 mph zone. No insurance points are assessed for Tim, but 3 license points are allotted. Just 6 weeks later, Tim goes show boating with his girlfriend in his new Corvette and runs a red light. Officer Rodriguez pulls Tim over and writes him a ticket for running the red light. At this juncture, the family insurance policy is finally in jeopardy. If Tim takes a Prayer For Judgment Continued (PJC), it will not help him since his mother already used it and their insurance company will not honor a second Prayer for Judgment (PJC). In addition, Tim has already used his 9 mph insurance waiver for his experience period. Red Light Violations give three DMV points and one insurance point. Assuming that he cannot reduce the Red Light Violation to a non-moving violation, he will receive an insurance point for this violation.
Example 2: James is a single man living by himself and likes to drive his expensive SL55 Mercedes convertible. James gets a ticket from Trooper Woodall for running a stop sign. His lawyer gets the Judge to grant him a Prayer For Judgment (PJC). James gets 0 license points and no insurance points. Exactly a year later, James gets a speeding ticket from Deputy Smith for going 53 mph in a 30. James' attorney manages to reduce the charge to a 39 in a 30 mph zone. James gets 2 dmv license points and still no insurance points. Just over two years later, James is caught speeding 89 mph in a 70 mph zone. James' attorney requests from the Judge and receives a Prayer for Judgment Continued (PJC). James will still not receive any insurance points because an individual licensee may receive one PJC every three years for insurance purposes.