Other states have higher point values but allow for more points.
There are even some states that have no point system at all!
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What would cause me to have points on my driver’s license?
Drivers license points are points are assigned to your license when you are the cause of a car accident, are ticketed for speeding, reckless driving, DUI, or another traffic offense.
In most states, points stay on your license for three years. In many states, a DUI offense will be reported on your driver’s license for a longer period of time.
When you reach your maximum amount of points, then you will face having your license suspended.
The length of the suspension will depend on your state’s laws for car insurance and the type of offenses that caused the suspension.
For example, driving under the influence of drugs or alcohol is a criminal offense and carries a heavier penalty than causing a car accident does.
How can I find out what the maximum points are in my state?
Finding the maximum points for your state is easy. All you need to do is visit your state’s Department of Insurance website. In addition, you can also find this information on your state’s DMV website.
In addition to finding out the maximum points you are allowed to accrue, you will also learn how long your license will be suspended and the various suspensions for the different offenses.
For example, with Alabama coverage, there are four levels of suspension.
- If you have 12-14 points on your license in a 2 year period, then you have a 60-day suspension
- If you accrue 24 or more points in those two years, then your license will be suspended for one year
Other states, such as Arizona, have a list of ways that you can lose your license permanently.
For example, if you commit a felony act while driving a vehicle, then you will lose your license for good.
Simply put, some states have more stringent rules than others do.
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How can I reduce the amount of points on my driver’s license?
The easiest way to reduce your points is by not accruing any more points. Your points will cycle off of your license after a certain period of time.
- Florida coverage laws dictate that your accrued points cycle off of your license a year after you are ticketed
- West Virginia coverage laws say that points stay on your license for two years before being cycled off
Most states offer classes specific to the crime you have committed that you can take to have points removed from your license.
For example, for a DUI you would take classes specific for drunk driving or driving while on drugs. If you like to speed, your class would be related to driving fast.
However, there is usually a maximum number of classes you can take each year, varying between one and three classes.
In most cases, you can choose any accredited program. In some states, there are comedy classes that keep you laughing all the way through or classes that allow you to create skits based on your situation.
Regardless, you do have options and if you are looking at a suspension, you might want to consider one of these classes.
Does my insurance company get informed of my accrued points?
Your insurance company will receive notice that you have had points assigned to your driver’s license.
In states with automated systems, this information is passed on to the insurance company within seven days; in states that still use a paper system it can take up to two months.
Once the insurance company gets this information, you will generally see an increase in your rates.
If you only have a couple of points the increase should be fairly minor, but if you have a lot of points, however, you could see a major increase.
If you need to control some of your insurance costs, you may want to look at getting quotes to see if you can get a better rate.
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