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12 POINTS: MANSLAUGHTER OR NEGLIGENT HOMICIDE, PREARRANGED HIGHWAY RACING OR LENDING CAR FOR RACING, HIT AND RUN, BODILY DAMAGE ONLY, INJURY OR DEATH, DRIVING WITH BLOOD ALCOHOL LEVEL .08% OR MORE, DRIVING COMMERCIAL VEHICLE W/BLOOD ALCOHOL LEVEL .04% OR MORE, DRIVING WHILE IMPAIRED, TRANSPORTING ILLEGAL INTOXICATING LIQUOR FOR SALE 10 POINTS: HIGHWAY RACING, SPEEDING TO ELUDE ARREST 8 POINTS: DRIVING WHILE LICENSE REVOKED OR SUSPENDED |
4 POINTS: RECKLESS DRIVING, HIT & RUN PROPERTY DAMAGE, PASSING A STOPPED SCHOOL BUS, SPEEDING IN EXCESS OF 75 MPH IN 70 MPH ZONE OR LESS, AT FAULT ACCIDENT W/BODILY INJURY OR DEATH OR PROPERTY DAMAGE ONLY OF $2,500.00 OR MORE 2 POINTS: ILLEGAL PASSING, SPEEDING IN EXCESS OF 55 MPH BUT LESS THAN 76 MPH, FOLLOWING TOO CLOSELY, DRIVING ON THE WRONG SIDE OF THE ROAD, AT FAULT ACCIDENT W/PROPERTY DAMAGE OVER $1,500.00 BUT LESS THAN $2,500.00 1 POINT: ALL OTHER MOVING VIOLATIONS, AT FAULT ACCIDENT W/PROPERTY DAMAGE OF $1,500.00 OR LESS |
Each point means an additional increase in your insurance rates as estimated below:
1 POINT=25% INCREASE
2 POINTS=45% INCREASE
3 POINTS=65% INCREASE
4 POINTS=90% INCREASE
5 POINTS=120% INCREASE
6 POINTS=150% INCREASE
7 POINTS=180% INCREASE
8 POINTS=220% INCREASE
9 POINTS=260% INCREASE
10 POINTS=300% INCREASE
So, for example, a moving violation of 70 in a 55 mph zone will increase your premium by 45 percent for three years. Below is an example of what a conviction of 70-55 mph zone will cost you if you are convicted (this example assumes your yearly insurance is $800.00):
First year: 45% increase x $800.00 = $360.00
Second year: 45% increase x $800.00 = $360.00
Third year: 45% increase x $800.00 = $360.00
Total increase over a three year period = $1,080.00
