Most states utilize a system where in drivers are assessed points for moving violations such as speeding, running red lights, and other unsafe driving practices. Over the course of time these points can accumulate and ultimately result in loss of driving privileges if one isn’t careful.
Points are also assessed if you are found at fault in an accident. Accidents are the surest way to accumulate large amounts of points at one time.
Insurance companies regularly check driving records and will raise points once a driver accumulates a certain number of points. Insurers will usually allow a moving violation on a driver’s record during a 3 to 5-year period. Any more than that will typically raise premiums and an at-fault accident makes that a virtual certainty.
Rates for too many points can increase as much as 20% to 30%. The exact amount of the increase will depend on the number of points and the severity of an accident.
Points can sometimes be removed or avoided through several methods such as contesting the ticket, attending traffic school, or possibly taking defensive driving classes.