Most states operate a driver license point deduction system to penalize reckless or careless drivers. Within the rules of this system it is defined how many points a driver would lose for certain rule breaking or moving violation. These points will be recorded by DMV and seen by auto insurers. As a result, policyholder is likely to see increase on car insurance rates. Companies may even refuse to renew policies when they consider the actions of listed drivers. Drivers who are suspended lose their driving privileges and may need to buy car insurance with suspended license before it is re-instated.
Accumulation of These license Points
Every time a point is deducted from a license it brings the driver closer to a total limited allowed by state. Points for each violation can be much different in each state. While you only get couple of points for one violation in one state you may lose your license in another one. Often serious violations like drunk driving may top you over the limit and result in license suspension or revocation.
Once certain number of points reached in certain time frame you stand to lose the license completely or get suspensions. It is best to check the points system of your state as the consequences of your action may be detrimental to your ability to drive legally. For example, you may lose half of the allowable points if you run away from the scene of accident regardless of how minor was the damage.
What Points Are Applied for Which Moving Violations
These changes considerably from state to state. Some states issue minor points for things like not obeying a police officer. Others may have various levels of points for even the same moving violation. For example, you may lose 3 points for going 10 miles over the speed limit but 6 points going over 20 miles over the speed limits or breaking the limits in residential areas and around the schools. You should mind the single incidents that will result in license suspension or revocation. These are usually for reckless driving like DUI.
How Long Points Remain in DMV Records
This could vary depending on the seriousness of the incident and state rules. For example some minor points may be deleted after three years while others stay as long as ten years. Also, some states may run a reward points against the points gained as well. For example, you may gain one point back for each year that you do not have any accidents. Usually they do not disappear in less than three years. This requires extra attention when you are coming close to your limits. Some people can run these points pretty quickly with all minor incidents while others can get caught with a big slap at once and lose the license.
Auto Insurance Consequences of Driver License Points
It is clear that motorists should keep their driving history clean if they want cheap auto insurance. Every moving violation and point deduction will be registered by DMV for all insurers to see. Most insurers will increase car insurance rates following a point deduction depending on the seriousness of the incident. And they will keep the rates up for at least three years from then onward. Some companies may choose to not renew policies when they see the moving violations to be too risky.
License suspension and revocation as a result of reaching the maximum points will cost a lot of money due to fines and requirements to reinstate the license. Also, the person will be inconvenienced by inability to drive any vehicle. Most states would require Financial Responsibility Certificate or SR-22 from insurers before they will reinstate a suspended license.