Insurance and License

INSURANCE POINTS BY VIOLATION

Speeding 10 mph or less over limit of 55 or less (1 point)
Running a Stop Sign or Red Light (1 point)
Failure to Yield (1 point)
Driving Without A License (1 point)
Driving Without Insurance (1 point)
Improper Backing (1 point)
Unsafe Movement (1 point)
Illegal Passing (2 points)
Speeding more than 10 mph over limit of 55 or higher* (2 points)
Following Too Closely (2 points)
Hit and Run (4 points)
Passing a Stopped School Bus (4 points)
Reckless Driving (4 points)
Speeding in Excess of 75 mph* (4 points)
Driving After Consuming Alcohol While Under Age of 21* (4 points)
Driving While License Revoked* (8 points)
Wilfull Racing* (10 points)
Speeding to Elude Arrest* (10 points)
Prearranged Racing* (12 points)
Hit and Run With Bodily Injury* (12 points)
Driving While Impaired* (12 points)

*Indicates possibility of license being suspended or revoked

MOST COMMON INFRACTIONS

Speeding
Running a Red Light/Stop Sign
Failure to Yield
Improper Passing
Failure to Reduce Speed
Exceeding Safe Speed
Following Too Closely

Some traffic offenses are considered misdemeanors instead of mere infractions. The main difference between an infraction and a misdemeanor is that you can potentially be jailed for a misdemeanor, and a conviction becomes a part of your permanent record. My fees for traffic related misdemeanors is usually between $250.00 and $500.00 depending on the offense(s).

COMMON TRAFFIC MISDEMEANORS:

Reckless Driving
Speeding Over 80 mph
Hit and Run
Driving While License Revoked
Racing
Driving Without a License
Driving Without Insurance

HOW INSURANCE POINTS EFFECT YOUR RATES

1 point = 25% increase in base rate
2 points = 45% increase in base rate
3 points = 65% increase in base rate
4 points = 90% increase in base rate
5 points = 120% increase in base rate
6 points = 150% increase in base rate
8 points = 220% increase in base rate
10 points = 300% increase in base rate
12 points = 400% increase in base rate the text.