4 Things to Know about Driver’s License Points
You know you need a driver’s license and Orlando, FL car insurance to legally drive. You also know if you get pulled over and given tickets or cited for car accidents, it affects both of these. Your car insurance becomes more expensive to obtain if you have multiple tickets and car accidents. But, what does it do to your driver’s license? The answer has to do with driver’s license points.
#1 You need to keep track of the points on your license
This is because racking up points can lead to you losing your license. The more serious the violation, the more points it will add. In the state of Florida, getting 12 points within a one-year time frame means you’re in serious trouble. At this level, your license will be suspended.
#2 Not all tickets or offenses give you points
Thankfully, lesser violations don’t add points to your license. This includes parking tickets or a “fix-it ticket” for a broken tail light. Additionally, these are often “correctable violations,” meaning you can keep them off your record by fixing the problem and getting proof of correction signed by an authorized person, such as a DMV clerk, police officer, or county court clerk.
#3 Points stay on your record for a long time
Driving record points typically count against your license for two to three years for lesser offenses, and up to 10 years for more serious offenses, such as driving under the influence. This depends on the state. The length of time during which a moving violation or collision affects your car insurance rate is called a “chargeable period,” and after that time frame, it should no longer affect your rate. For example, the chargeable period for a moving violation like a speeding ticket is three years. Here in Florida, a DUI affects your rate for only three years whereas in California it does for ten full years!
#4 Car insurance companies don’t use the same point system as the DMV
While the DMV has a specific license point system in place, car insurance companies don’t even use them. Each company uses its own proprietary point systems to determine how much to raise your insurance premium depending on the severity of your traffic violation or ticket. If you have a great company and policy, they may not raise it at all! You can’t say this about the DMV.
If you find yourself in a fender bender or with a speeding ticket or two on your record, your mistakes can end up counting against you. The good news is that these offenses won’t affect you forever. Tickets and accidents can lead to points on your license and a rise in your auto insurance premiums. But after a certain number of years, insurance companies can’t use these offenses against you anymore. And remember, if you do get points, your insurance premium does not have to rise astronomically. If you have any other questions about this, like wondering how the point on your driver’s license will affect your car insurance, reach out to Pronto Insurance and ask!