Every time a rule is broken, there’s a consequence of that action. The same holds true for laws, especially as they pertain to driving. Each and every time you are involved in a driving-related incident that spawns a moving violation – irrespective of fault – that violation is assigned a specific value known as a point. If you receive a ticket for a violation, and you’re found guilty or admit guilt (you know, just paid the darn ticket to get it over with), you’ll have a moving violation point added to your driving record. This is not good.
Insurance companies love moving violation points, because it means they can charge you more for your premium. And every insurance company has a different “system” (i.e. a complex algorithm that may be confusing to the lay person but is clearly understood by someone with a PhD in nuclear fission) for determining an individual’s insurance premium. The algorithm takes into account the type of infraction, fault, incident occurrence, etc., and assigns a weight to that value which is an insurance eligibility point.
Moving violation points are not the same as insurance eligibility points. The insurance company assigns their own set of points based on their algorithm and uses that to decide how much to charge you.
Bottom line: Drive carefully. Avoid the points.
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