Are insurance points and New Jersey Motor Vehicle points the same? Will points increase the cost of my auto insurance?
In New Jersey, any driver who is convicted of a moving violation is assessed motor vehicle points for each conviction in accordance with the NJSA point schedule. These points will show up on your New Jersey driving record. In many cases when a driver is convicted of a moving violation, insurance companies can also assign points and impose surcharges on their policies. These surcharges will most likely result in an increase in the cost of your auto insurance. Moving violation points and insurance surcharge points are usually the same. For example, if you are convicted of a 4 point moving violation, you will also get 4 insurance points. There are some circumstances in New Jersey where you will not actually get any moving violation points but you are subject to New Jersey insurance surcharge points. An example would be if you are found to be at fault in an accident where the pay out is $1,000 or more. In this case you will not receive any New Jersey motor vehicle points but you will recei
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