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How the DMV Point System Works

How the DMV Point System Works

The point system used by nearly every state’s DMV is a lot like golf -the lower the number of points, the better it is. A traffic ticket or other infraction might be difficult to get off your driving record, even if you have no demerit points. The higher your credit score, the more points you’ll earn. The DMV will suspend or even terminate your drivers license if you obtain too many points in a short period of time. One or two points are recorded for infractions on your driving record. A minor traffic violation, such as a speeding ticket, is an example of a one-point infraction. More serious violations that would result in two points are reckless driving, DUIs, and driving with no license or insurance.

If too many points are accumulated, then your license will be suspended for a period of time, depending on how many you have. For example, if you have four points, then your license will be revoked for one year, six points result in two years, and eight points result in three years.

DMV Points Won’t Stay on Your Record Forever

DMV points are not forever and will go away in time, granted you drive safely and steer clear of other traffic hazards and violations. One-point offenses will go away after three years, while more serious ones tend to stay on for up to ten years. What’s more, failure to follow up with previous points like not appearing in court will result in even more points being added.

If you have points on your driving record, they’ll scream when it’s time to renew your car insurance or get a new policy. To determine whether you’re a safe driver, your insurance provider or broker will evaluate your driving record. Your insurance premiums are likely to rise if you have a lot of demerit points on your license. Premium or preferred insurance may reject your application if you have an overabundance of faults and infractions.

If you’re worried about your driving history, the DMV is always accessible. They will send you a letter, though, informing you when points are added to your driving record. Based on how many points you acquire over time, they will notify you if you’re approaching suspension or revocation. Be cautious and use good judgment! However, if you are caught by a citation, consider taking traffic school to avoid points being recorded on your driving record. Two-point infractions, on the other hand, cannot be prevented through traffic school and should be discussed with an attorney who specializes in traffic issues.

Call Insurance Navy today at 888-949-6289 to speak with one of our expert agents and get cheap auto insurance quotes. Insurance Navy knows how tedious the car insurance shopping process can be. We’re here both online and in-person to help you get the best, affordable coverage.

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