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What is the difference between NJMVSC -DMV Points and Insurance Points?

There is a related system of points that are assessed by auto insurers 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 insurance eligibility points. For example, a drunk driving violation under N.J.S.A. 39:4 50(a) 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 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 Help (N.J.P.A.I.P), although the premiums for even basic, minimal coverage will be significantly 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 Automobile Insurance Eligibility Points

- 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

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