TRAFFIC TICKET INFORMATION

12 Points

• ■ Manslaughter (or negligent homicide) resulting from the operation of a motor vehicle. (felony)

• ■ Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race. (Felony)

• ■ Failure to stop and render aid when involved in an accident resulting in bodily injury or death (hit-and-run driving) (Felony)

• ■ DWI, driving a vehicle with an alcohol concentration of 0.08% or more; and driving a commercial vehicle with an alcohol concentration of 0.04% or more

• ■ Transportation of intoxicating liquors for the purpose of sale. (Misdemeanor) 

10 Points

• ■ Highway racing (not prearranged) or knowingly lending a motor vehicle to be used in the race.

• ■ Speeding to Elude

8 Points

• ■ Operating a motor vehicle during a period of revocation or suspension of either the driver's license or vehicle registration. (Misdemeanor)

4 Points

• ■ Failure to stop and report when involved in a motor vehicle accident resulting in property damage only (hit-and-run). (Misdemeanor)

• ■ Reckless driving. (Misdemeanor)

• ■ Passing a stopped school bus.

• ■ Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mph. (Misdemeanor)

• ■ Speeding in excess of 80 mph when limit is 70 mph or greater

• ■ Driving by a person under 21 after consuming alcohol or drugs 

3 Points

• ■ At-fault accident that results in bodily injury (in excess of $ 1800.00) or death or total property damage (including the insured's prop) of $ 3000.00 or more

2 Points

• ■ Illegal passing

• ■ Speeding more than 10 mph over the limit, if total speed was in excess of 55 mph but less than 76 mph.

• ■ Speeding 10 miles or less in excess of limit in speed zone of 55 or greater*

• ■ Following too closely.

• ■ Driving on the wrong side of the road.

• ■ Each at-fault accident that results in total damage to property which is in excess of $1 ,800.00 but less than $ 3000.00

1 Point

• ■ Speeding 10 mph or less in excess of a speed limit of less than 55 mph*

• ■ Any other moving violation.

• ■ Each at-fault accident that results in total damage of $ 1,800.00 or less *

• ■ *Points are not assigned for these violations unless the same driver has been convicted of at least one other moving violation during the experience period (the last three years).

• ■ The number of insurance points a driver receives will determine the surcharge which will be added to their insurance costs. See the surcharge table below:

Insurance Surcharge Table

• One point equals a 25% surcharge ( increase in insurance rates )

• Two points equal a 45% surcharge

• Three points equal a 65% surcharge

• Four points equal a 90% surcharge

• Five points equal a 120% surcharge

• Six points equal a 150% surcharge

• Seven points equal a 180% surcharge

• Eight points equal a 220% surcharge

• Nine points equal a 260% surcharge

• Ten points equal a 300% surcharge

• Eleven points equal a 350% surcharge

• Twelve points equal a 400% surcharge

For 1 point accidents ($1800.00 or less) there is no surcharge assessed if:

• The operator was not convicted of a moving traffic violation in connection with the accident.

• No licensed driver in the owner's household has a conviction for a moving traffic violation or other at fault accident during the three-year period immediately proceeding the date of application or the date of preparation of renewal of the policy

• There was no personal injury.