We all want to score points―in games, with the boss, on a credit report― but you don't want to score points on your driving record. The New York Department of Motor Vehicles issues points on your license for certain types of traffic violation convictions, and more is definitely not better. New York's point system is designed to identify drivers who commit many traffic violations in a short period of time. In other words, dangerous drivers. While we all sometimes make mistakes and one or two minor offenses isn't usually enough for the DMV to suspend or revoke your license, several violations raise a red flag indicating that the DMV might need to take action. And while multiple offenses can result in the DMV suspending or revoking your license, all it takes is one or two slip-ups for the department to assess you a hefty annual "driver responsibility" fee of at least $100 for three years. The DMV isn't the only organization to worry about. Not only will you have to pay court fines and DMV assessment fees for moving violations, but insurance companies have their own independent point systems and can increase your premiums based on your driving record. Insurers check your record when they renew your policy, and sometimes all it takes is one speeding ticket to jack up your rates. In extreme cases, you risk having your insurance cancelled outright if the company decides your driving habits put you at greater odds of becoming involved in an accident. At that point it may become difficult for you to find another insurer willing to cover you, and driving without insurance is illegal and carries significant penalties in New York (including losing your license for at least one year).
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