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Critical Things You Need to Know About Driver’s License Points

An upset Caucasian woman being pulled over by a traffic officer who is about to learn what are driver's license points.

If you’ve been driving for a long time without getting a ticket, you might’ve forgotten all about driver’s license points. If you’re a new driver, this could be a foreign topic. Regardless, since too many points can lead to devastating consequences, it never hurts to learn the basics.

What Are Driver’s License Points?

Points are a type of penalty the Department of Motor Vehicle (DMV) applies to a person’s driving record. On average, this system assigns between two and four driver’s license points if someone admits to or the court finds them guilty of a moving traffic violation. Considering driving license codes vary from state to state, it’s essential to check the driver’s license points system where you live.

License points are for moving violations only, meaning the DMV doesn’t apply any for non-moving offenses. One thing worth noting — the number of points depends on the type of violation. For instance, license points for speeding are different than those for an illegal lane change.

The maximum number of driver’s license points an individual can get before the DMV takes action is 12. If a driver accumulates that many within 12 months, they’d lose their driving privileges for up to six months. For someone with three to 11 license points, most states offer a diversion program. Usually, this consists of taking a DMV traffic-safety course approved by the court. Once completed, the driving license points removal process begins.

A driving conviction remains on an individual’s permanent record. Even if they moved, the new state’s DMV would see it. However, if they don’t receive any more points after 12 months, the DMV removes the applicable number of points. Remember, some offenses increase the number of driver’s license points quickly. One example is reckless driving, which corresponds to eight points.

Additional Consequences

Besides the risk of losing driving privileges, there’s something else important to understand. There’s a chance that your insurance rate will increase or your provider dropping you as a client. Again, it depends on the offense. Typically, the driver’s license points won’t directly affect insurance rates.

If someone admits to or the court convicts them of multiple moving offenses, not only will that become a permanent part of their driving record but also their insurance history. Therefore, at the time of renewing a policy or when switching to a different insurer, there’s no guarantee the insurance company will offer that person coverage.

happy man smiling inside of car holding the wheel driving license points

Driving License Points Removal

For starters, as long as a driver doesn’t get any more license points within a 12-month period, the DMV will begin reducing the overall count. Then people can ask about attending a court-approved defensive safety course as a way of having the number of points reduced or removed. Remember, driving license codes are unique in each state.

One final option — spending money to hire an attorney who specializes in the driving license points removal process. In some cases, the cost of legal assistance is worth it to avoid losing driving privileges for six months or longer.

Finding Quality Insurance

If you have driver’s license points on your record but need quality and affordable insurance coverage, Freeway Insurance can help. We don’t discriminate just because someone made a mistake. For a free quote, contact us today.

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