Drunk driving & car insurance companies check the driving records for every potential client to determine what rate to charge them.
Drunk driving & car insurance companies check the driving records for every potential client to determine what rate to charge them. If the person has one or more convictions of any type, the car insurance company will often charge a higher premium for car insurance. On the other hand, some insurance companies offer discounts for drivers with clear records.
In order to keep your insurance rates down, it is important to keep your driving record as clean as possible. It is recommended that you shop around for the best rates and coverage, which will best serve your needs. Remember, your license can be suspended if it is found that you don't have proper liability insurance or financial responsibility for your automobile.
A counting system known as points is used by some states to keep track of the number and severity of moving violations of which an individual may be convicted.
Upon conviction, the court is required to send a record to the state's department of motor vehicles. Depending on the charge, the person will receive a certain number of points on his or her driving record. The number of points assessed for moving violations varies. For example, a speeding ticket may carry a penalty of two points, while driving with a suspended license could result in a penalty of twelve points.
If a person accumulates a set number of points, he or she may lose the right to drive by a license suspension or revocation. Insurance companies also check the number of points on an individual's record and may raise his or her rates if there is a high number of points. You may wish to consult with a drunk driving attorney about points assessed for a particular moving violation or how to fight a traffic ticket to avoid points on your record.