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What is the difference between NJ DMV - New Jersey Motor Vehicle -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 NJ car insurance 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 Auto Insurance Eligibility Points
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
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