Difference Between Driver’s License Points & Car Insurance Points | Levow DWI Law

All New Jersey drivers are familiar with the NJMVC – New Jersey Motor Vehicle Commission ’ s “ points system ” that penalizes drivers for sealed traffic violations by assigning “ points ” to the driver ’ s license. A driver who receives besides many points within a certain time period of time can have his or her license suspended and driving privileges revoked .
Most people, however are not conversant with a separate point system used by policy companies to track your driving history and plant premiums .
Evan Levow, New Jersey DWI defensive structure lawyer, explains everything you need to know about these two points systems in the State of New Jersey, below .

Standard Motor Vehicle Points System In New Jersey

Every driver in the State of New Jersey has an official drive record that is tracked by the Motor Vehicle Commission ( MVC ). Your official record with the MVC will include any traffic violations that you ’ ve been convicted of over the course of your driving career.

An out-of-state accredited driver who commits a motor vehicle irreverence in New Jersey will have a New Jersey Driver ’ s License number created as a resultant role of the trespass that will exist everlastingly .
common violations that carry points from NJMVC include :

  •       Failure to yield to pedestrian in crosswalk (2 points)
  •       Wrong way on a one-way street (2 points)
  •       Tailgating (5 points)
  •       Reckless driving (5 points)
  •       Exceeding maximum speed 1-14 mph over limit (2 points)
  •       Exceeding maximum speed 15-29 mph over limit (4 points)
  •       Exceeding maximum speed 30 mph or more over limit (5 points)

For a full list of the most common traffic violations in New Jersey and the measure of points associated with each one, cluck here .
NJMVC does not assess any points for a DWI trespass, because the punishment, i.e. the suspension, is built into the legislative act .

How Do Standard Motor Vehicle Points Affect You?

If you receive besides many points on your license then you will be penalized with a surcharge and/or license suspension .
For model, any driver who receives six or more points on his or her license within the past 3 years will be assessed a $ 150 Surcharge plus $ 25 for each extra point .
besides, if you get 12 or more points on your current drive record then your license will be suspended. The points that you receive on your license may besides result in higher car insurance rates .
even though a DWI does not result in assessment of points, it does come with a goodly $ 3,000 surcharge from the State for beginning and moment offenders, and the driver ’ mho insurance caller surcharges the cover about that same measure, adenine well .

Can I Get Rid Of Standard Motor Vehicle Points On My License?

Yes .
The Motor Vehicle Commission ( MVC ) will constantly keep a permanent read of any points that you ’ ve received on your license in the past and there is no way to get rid of points on your permanent record .
However, it is still possible to get rid of points on your temporary record (points within the past 3 years) which count towards a license suspension if you receive too many. This can be done through safe driving over a certain period of time and/or the completion of driving courses that are approved by the MVC .
here are a few ways to earn period reductions on your license in New Jersey :

  •       One year with no violations or suspensions (-3 points)
  •       Completion of Defensive Driving Program (-2 points)
  •       Completion of Driver Improvement Program (-3 points)
  •       Probationary Driver Program (-3 points)

You can never expunge your drive record, however. only certain condemnable offenses may be expunged in New Jersey .

Car Insurance Points System

car indemnity points are assigned to you for particular incidents in your driving history, such as traffic violations that you ’ ve been convicted of or car accidents that you ’ ve been involved in .
The car indemnity points system is an significant tool used by insurance companies in rate to determine your proportional gamble as a driver. In other words, a driver with more insurance company points is considered a “ riskier ” driver and will typically have higher car insurance rates .

How Does The Car Insurance Points System Work?

It is important to know that car policy points are recorded on the indemnity party ’ s inner record and do not affect your official force commemorate with the Motor Vehicle Commission .
however, points that you receive on your official driving record with the DMV can affect your policy party record .
For example, if you are convicted of “ heedless driving ” in the State of New Jersey, then the Motor Vehicle Commission will probably assign 5 points to your license. Likewise, your insurance company will likely add a certain act of points to their inner record of your driving history because you were convicted of a moving irreverence .
But insurance companies can besides assign you points for other incidents or factors, such as :

  •       Previous insurance claims you’ve made
  •       Having a bad credit score
  •       Using your vehicle for work purposes
  •       Driving a vehicle that is considered “unsafe”
  •       Previous periods without car insurance

Each insurance company has a different system and weighs sealed factors differently so you may have more car policy points with Geico than you do with State Farm Insurance, but the general dominion of finger is that more car policy points means higher car indemnity rates .

How Do I Find Out How Many Insurance Company Points I Have?

The car policy points system is tracked internally by each insurance ship’s company and the indemnity companies do not have a duty to contribution their records with you. That said, most of the companies will tell you how many points you have if you call and ask .
just like the official points system used by the DMV, you can get rid of car indemnity points by maintaining a safe drive phonograph record over an extended time period of time .

Levow DWI Law: Educating Drivers In New Jersey & Beyond

Levow DWI Law is an award-winning DUI defensive structure police tauten dedicated to representing drivers arrested on DWI charges in New Jersey.

Our DUI refutation attorneys have defended the rights of drivers throughout the State of New Jersey over the years and have noticed that there are far excessively many drivers who are merely unaware of their rights as drivers .
As a result, we are committed to educating drivers in New Jersey and throughout the state on their rights, ampere well as on general data about force, like the car insurance points system explained above .
You can learn more about New Jersey ’ s DWI laws and find other utilitarian data by visiting our web log or exploring our web site .

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