Attorney Allain Marain

Point Assessments

The New Jersey Point System: Two Kinds of Points

NJ lawyer insurance points motor vehicle points dmv division of motor vehicles commission mvc drivers license When a New Jersey driver is convicted of violating various motor vehicle laws, two different kinds of “points” can be imposed. These kinds are moving violation points, and insurance eligibility points (often simply referred to as “insurance points.” The rules governing the two are very different. The consequences for each are also very different. On this page we explain the two kinds of points. We explain very briefly how to get them, how to lose them, and consequences of having them. The information that we provide on this page is only an overview. We provide more detailed explanations on a different web site that we maintain, We provide links to relevant pages of that site where appropriate.

The New Jersey Point System: Moving Violation Points

Moving violation points are the kind of points that are most visible. The reason for their visibility is that, once their number reaches a critical level, the New Jersey Motor Vehicle Commission (formerly the New Jersey Division of Motor Vehicles) suspends your driving privileges. Points, therefor, are a great thing to not have.

It is not the judge who assesses points. Rather, it is the New Jersey Motor Vehicle Commission (or, more precisely, its computer). The judge only determines guilt or innocence. The court reports each moving violation conviction to the New Jersey Motor Vehicle Commission (MVC). The MVC then assesses the prescribed number of points.

Motor vehicle points decrease over time. The rate of decrease is three points per year. This decrease occurs however only if, during the preceding year, there were no new moving violations. Also, the decrease occurs only if driving privileges were in good standing during the entire one-year period. If either of those conditions are not satisfied, the one-year clock starts ticking anew from the date of the most recent violation, or restoration of driving privileges, whichever comes last.

Sometimes a motorist has points on the date of a violation that, when added to points to be assessed on account of the new conviction, will put the number of points over the limit. (We discuss what this limit is later in this section.) The motorist may try to postpone the court date until passage of time causes some of the existing points drop off. That tactic will fail. The reason it fails is because, once a conviction occurs, points arising from that conviction are imposed retroactively to the date of the violation.

Let's look at how all this works in practice. On January 1, 2014, Lisa has eleven moving violation points on her New Jersey driver's license. Her most recent violation was on April 1, 2013. Her driving privileges have been in good standing the entire year since then. Therefore she is scheduled to lose three points on April 1, 2014. However, on March 15, 2014, she receives a summons for failure to maintain lane, N.J.S. 39:4-88. Failure to maintain lane is a two point offense. She goes to court on April 16, and the judge finds her guilty.

On April 1, 2014, her moving violation point count decreases from eleven to eight, right on schedule. The April 1 reduction proceeds on schedule because, as of that date, she has not yet been found guilty of the March 15 charge. But on April 16, she is. The effect of that conviction is that the three points that she lost on April 1 are retroactively restored. The reason for the points restoration is that she was convicted of a moving violation, and that violation occurred during the year that preceded the points reduction. She also accumulates two additional points for her N.J.S. 39:4-88 conviction. If Lisa obtains no further moving violation convictions, the number of points that the New Jersey Motor Vehicle Commission will report will depend on when the points inquiry is made, as follows:

Date of Inquiry
Number of Points
March 317
April 111
April 211
January 111
March 1411
March 1511
March 1611
March 3111
April 18
April 28
April 158
April 1613
April 1713
March 1313
March 1413
March 1510
March 1610
March 3110
April 110
April 210
March 1410
March 157
March 167
March 147
March 154
March 164
March 151
March 150

Assuming no additional convictions, and no intervening license suspensions, Lisa will rid herself of all moving violation points on March 15, 2019. Had she not been found guilty of her failure to maintain lane charge, she would have lost all her moving violation points on April 1, 2017. Note: The number of points never goes below zero.

Suppose Lisa somehow finds a way to postpone her court appearance until all of her moving violation points disappear. The end result would still be exactly the same. The only date that affects the ultimate points assessment is the date of the violation. Regardless of when the conviction is entered, the number of points from March 15, 2014, to April 15, 2014, will be adjusted retroactively to thirteen. All numbers after April 15, 2014, stay the same.

When the number of points reaches twelve, the Motor Vehicle Commission sends a Notice of Scheduled Suspension. The notice indicates the date that the suspension is scheduled to take effect, and the length of the Scheduled suspension. In the extreme example just presented, all of Lisa's points have already disappeared, because she somehow delayed her court appearance. That does not save her. The eventual posting of the March 15, 2014, violation causes Lisa's moving violation points as of March 15, 2014, to be readjusted. Even when that readjustment occurs years later, the MVC computer will flag her record and cause issuance of a Notice of Scheduled Suspension.

When MVC sends a Notice of Scheculed Suspension, your suspension is not yet written in stone. Steps are available that can lessen the impact of this notice. Do not resign yourself to the suspension proposed in the notice.

The New Jersey Point System: Insurance Eligibility Points

Most violations that carry moving violation points also carry insurance eligibility points. In most cases, conviction for a given offense will cause an equal number of moving violation points insurance eligibility points to be imposed. Insurance eligibility points arising out of a single speeding conviction within the preceding three-year period will not be considered provided that the amount by which the speed exceeded the speed limit was less than fifteen miles per hour, and provided the speeding did not occur within a school zone.

There are some violations that carry no moving violation points but that do result in insurance eligibility points. One example of this is driving while driver's license has been suspended. Another example is driving while intoxicated (DWI or DUI). Still another example is driving without insurance. Convictions for any or all of these offenses cause no motor vehicle moving violation points, but results in nine insurance eligibility points each. Regulations that specify the number of moving violation points are adopted by the Motor Vehicle Commission. Regulations that specify number of insurance eligibility points are adopted by the Commissioner of Banking and insurance. Persons having access to a law library will find those regulations in the appendix to N.J.A.C. 11:3-34.5.

Another difference is the way insurance eligibility points are lost. Moving violation points, you will recall, drop off at the rate of three points per year for each year in which there are no moving violations and driving privileges are in good standing. Insurance eligibility points, on the other hand, last for a flat three years from time imposed. Unlike moving violation points, insurance eligibility points are imposed on the date of conviction, not on the date of the violation.

Accumulation of insurance eligibility points (or insurance points), in and of themselves, and no matter how many, will never cause suspension of driving privileges. Rather, their importance arises from the fact that insurance availability becomes severely limited as insurance eligibility points accumulate. Once the number of insurance eligibility points exceeds six, the driver is no longer considered an “eligible person” for purposes of being able to obtain insurance in the voluntary market. And even when the number drops to six or below, the ineligibility will remain if the number was above six within the three years before application for automobile insurance.

The New Jersey Point System: Shameless Plug

Allan Marain and Norman Epting, Jr. are New Jersey trial lawyers. Their combined experience exceeds sixty five years. They are available to help minimize point assessments. And when moving violation point accumulations threaten suspension of driving privileges, they are available to help limit the damage.

If your New Jersey driving privileges are in danger, call them. They can help.

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