New Jersey Point Systems
As New Jersey drivers, we know that the New Jersey Motor Vehicle Commission (MVC) implements a point system that can affect our driving privileges (if we rack up too many MVC points). It’s important to be aware that insurance companies have their own point systems, which they use to research your driving history and to set your premiums. Get to know these point systems; they can both affect your driving privileges.
Motor Vehicle Points
If you have a New Jersey driver’s license, you have an official New Jersey driving record that the MVC carefully tracks. This official record reflects any traffic violation that you’ve ever been convicted of. There are several typical violations that accrue points against your license:
- Driving the wrong way on a one-way street is a 2-point offense;
- Failing to yield to a pedestrian in a crosswalk is also a 2-pointer;
- Tailgating will earn you 5 points;
- Reckless driving is worth 5 points; and
- Speeding can cost anywhere from 2 to 5 points, depending on the severity of the charge.
If you receive 6 MVC points within a three-year span, you’ll incur a surcharge of $150 plus an additional $25 for every point beyond 6. If you accrue 12 or more points within the same timeframe, your license will be suspended.
Car Insurance Points
Insurance companies use their auto-insurance point systems to ascertain your perceived risk as a driver. The more car-insurance points you accrue against your record the riskier you appear to the insurance company; your premiums will reflect this risk. Insurance companies assess points against you through an internal record-keeping system. Points accrued through your official MVC driving record can affect your insurance point-tally, but insurance companies can also take other factors into consideration when assigning points against you:
- Making insurance claims;
- Carrying a bad-credit score;
- Driving your personal vehicle for commercial purposes;
- Driving an unfit vehicle; and
- Allowing your car insurance to lapse.
Different insurance companies implement different points-systems and factor in various considerations in different ways.
With both the MVC and the car insurance point-systems, you can earn back points by maintaining a clean driving-record for set periods of time. By improving your driving record over time, you have a lot to gain: keeping your driving privileges, saving money on fees and premiums, and staying safe.
If You’re Racking Up MVC Points in New Jersey, Call 732-409-5195 for More Information Today
If you’ve been charged with a traffic violation and you’re concerned with mounting traffic-violation points, contact the Law Office of Ronald J. Brandmayr, Jr. and allow Ronald to help you protect your driving privileges. Your ability to drive matters, and availing yourself of the best possible defense is always in your best interest. Contact our law offices, and allow Ronald to help guide you through the process of successfully defending your traffic-violation charge.