A toll is a more legitimate thing to “bill” to a car, though. The car was present, after all, and someone ought to pay. Now that tollbooths are going away, it’s logical to bill whoever the car is registered to. (And, if the toll is not paid, it’s the car that is “punished” by being ineligible to be registered, not the driver through fines or points).

If your boyfriend was speeding, though, and caught on camera, but the court said you were speeding instead, would you have just taken the fine for that, knowing it would also affect your insurance? I doubt it.

You’re correct that people can only “get away” with stunts like I mentioned a limited number of times, particularly if they go in front of the same judge multiple times. But it’s also a fact that if law enforcement can’t prove you were the one driving, theres only so much they can do.