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NJ Automotive Insurance Points System Consumer Help with understanding the NJ Car Insurance points system and how they are applied.


Your first step is to know how many points that you have.

To find out how many points you have visit the NJ Motor Vehicle Commission-NJMVC Web Site or phone 609- 292-7500 where you will actually talk with a real person and review your NJ Driver License history. If you need help with quotes and qualification click the quote request brochure to the left of the page.

The eligibility points may be all moving violations or a combination of Insurance Points and NJ MVC Points. They are added together for your total insurance eligibility points.

NJ PERSONAL AUTOMOBILE INSURANCE.

All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan.
Take an online SAFE Motorist Course and get 2 points off of your total insurance points.
Rate Filing Requirement - N.J.A.C. 11:3-16 Eligible Persons Regulation - N.J.A.C. 11:3-34 Standard/Nonstandard Regulation - N.J.A.C. 11:3-19 Underwriting Guidelines - N.J.A.C. 11:3-35

What is the Difference between in NJ DMV Points and NJ Insurance Points?



There is a related system of points that are assessed by NJ automobile or NJ Car insurance companies doing business in New Jersey. These points, known as insurance points or insurance eligibility points are generally the same as those imposed for motor vehicle violations. However several of the most serious violations that do not result in the assessment of motor vehicle points, will result in NJ insurance eligibility points.

For example, a drunk driving violation under N.J.S.A. 39:4 50(a) DUI is not a point offense for motor vehicle purposes. However, this violation will result in the assessment of 9 insurance points.
Insurance points are used by insurance carriers to determine the level of premiums that an insured must pay for liability coverage. A total of 7 or fewer points will determine the tier of coverage for which an insured may qualify when purchasing insurance in the NJ voluntary market. An accumulation of more than 7 insurance points will disqualify the insured from purchasing insurance in the voluntary market. However, such an insured may attempt to purchase insurance on an assigned risk basis through the New Jersey Automobile Insurance Plan (N.J.P.A.I.P), although the premiums for even basic, minimal coverage will be more expensive than the rates available in the voluntary market.
The schedule of authorized insurance eligibility points is published in N.J.A.C. 11:3 34 is as follows:
Schedule of NJ Car - Automobile Insurance Eligibility Points subject to change at any time. Consult you NJ Insurance Agent or NJPAIP Certified Producer for current points information.


Why are rates different for different cars, even if the cars cost the same?

NJ 39:4 50
Operating a motor vehicle under the influence of alcohol or drugs
9
39:4 50.4
Refusal to submit to a chemical test
9
2C:11 2
Vehicular homicide
9
39:3 40
Operating a motor vehicle while driving privilege is suspended
9
39:6B 2
Operating a motor vehicle without liability insurance
9
39:6A 15
Misrepresentation of insurance coverage
9
39:3 37
Obtaining a driver's license or;
registration through deception
5
39:3 38
Make or use counterfeit plate or plates other than issued
5
39:3 38.1
Make, alter or counterfeit driver's license or registration
5
N.J.S.A.
Offense
Points
27:23-29
Moving against traffic - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
2
27:23-29
Improper passing - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
4
27:23-29
Unlawful use of median strip - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
2
39:3-20
Operating constructor vehicle in excess of 30 mph
3
39:4-14.3
Operating motorized bicycle on a restricted highway
2
39:4-14.3d
More than one person on a motorized bicycle
2
39:4-35
Failure to yield to pedestrian in crosswalk
2
39:4-36
Failure to yield to pedestrian in crosswalk
2
39:4-41
Driving through safety zone
2
39:4-52
39:5C-1
Racing on highway
5
39:4-55
Improper action or omission on grades and curves
2
39:4-57
Failure to observe direction of officer
2
39:4-66
Failure to stop vehicle before crossing sidewalk
2
39:4-66.1
Failure to yield to pedestrians or vehicles while entering or leaving highway
2
39:4-66.2
Operating a motor vehicle on public or private property to avoid a traffic control signal or sign
2
39:4-71
Operating a motor vehicle on a sidewalk
2
39:4-80
Failure to obey direction of officer
2
39:4-81
Failure to observe traffic signals
2
39:4-82
Failure to keep right
2
39:4-82.1
Improper operating of vehicle on divided highway or divider
2
39:4-83
Failure to keep right at intersection
2
39:4-84
Failure to pass right of vehicle proceeding in opposite direction
5
39:4-85
Improper passing on right or off roadway
4
39:4-85.1
Wrong way on a one_way street
2
39:4-86
Improper passing in no passing zone
4
39:4-87
Failure to yield to overtaking vehicle
2
39:4-88
Failure to observe traffic lanes
2
39:4-89
Tailgating
5
39:4-90.
Failure to yield at intersection
2
39:4-90.1
Failure to use proper entrances to limited access highways
2
39:4-91
39:4-92
Failure to yield to emergency vehicles
2
39:4-96
Reckless driving
5
39:4-97
Careless driving
2
39:4-97a
Destruction of agricultural or recreational property
2
39:4-97.1
Slow speed blocking traffic
2
39:4-97.2
Driving in an unsafe manner (points only assessed for the third or subsequent violation(s) within a five year period)
4
39:4-98
39:4_99
Exceeding maximum speed 1_14 mph over limit

Exceeding maximum speed 15_29 mph over limit

Exceeding maximum speed 30 mph or more over limit
2

4

5

39:4_105
Failure to stop for traffic light
2
39:4_115 39.
Improper turn at traffic light
3
39:4_119
Failure to stop at flashing red signal
2
39:4_122
Failure to stop for police whistle
2
39:4_123
Improper right or left turn
3
39:4_124
Improper turn from approved turning course
3
39:4_125
Improper "U" turn
3
39:4_126
Failure to give proper signal
2
39:4_127
Improper backing or turning in street
2
39:4_127.1
Improper crossing of railroad grade crossing
2
9:4_127.2
Improper crossing of bridge
2
39:4_128
Improper crossing of railroad grade crossing by certain vehicles
2
39:4_128.1
Improper passing of school bus
5
39:4_128.4
Improper passing of a frozen dessert truck
4
39:4_129
Leaving the scene of an accident
No personal injury
Personal injury

2
8
39:4_144
Failure to observe "stop" or "yield" signs
2
39:5D_4 54.
Moving violation Out_of_State
2




- Each at fault accident 5

- Failure to verify insurance involved in an automobile accident 2

- For each full year of a court imposed driver's license suspension 3

- Involved in a fatal accident 4


Traffic Tickets
Motor Vehicle Points - Will They Be Assessed Against You?

With certain motor vehicle tickets, if you plead guilty or are convicted of certain motor vehicle offenses, DMV or the Division of Motor Vehicles will assess points against your driver's license. These points can range anywhere from two (2) points for each offense all the way up to eight (8) points. Some examples of common point assessments include the following:
Careless Driving (2 points)
Failure to signal (2 points) Failure to yield to pedestrian in a cross-walk (2 points) Improper passing (4 points) Improper passing of school bus (5 points) Improper passing of a frozen dessert truck (5 points) Improper turn (3 points) Leaving the scene of an accident with personal injuries (8 points) Racing on a highway (5 points) Reckless Driving (5 points) Speeding (anywhere from 2 points to 5 points, depending upon your speed) Tailgating (5 points)
Q.: What are the ramifications of accumulating motor vehicle points?

A.: First off, losing your driver's privileges. If you accumulate 12 or more points, the Division of Motor Vehicles will suspend your driving privileges for at least thirty (30) days if not more.

Q: How can one reduce the amount of points on their driver's license?

A: Any time you are given a ticket for a motor vehicle offense, simply do not simply do not pay it, consult with an attorney because the penalties and points involved in a guilty plea and/or finding of a guilty plea could have a negative as well as financial impact on your driver's privileges.
There are generally three (3) ways to reduce your motor vehicle points:
1) Based upon the mere passage of time. For every year that a driver can go without receiving a new violation, you will receive a three (3) point credit;
2) A driver may also receive a two (2) point credit by completing an authorized defensive driving course; and
3) You can receive a three (3) point credit if you successfully complete a driver improvement course.



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