NJ Schedule of chargeable points for insurance purposes


What is the
Difference between in NJ DMV Points and NJ Insurance Points?
NJPAIP.NET  State certified Producers Answer.
There is a related
system of points that are assessed by NJ automobile-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 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 9 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 8 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 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

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 limitExceeding maximum speed 15_29 mph over limitExceeding 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.