In most states, the motor vehicles department has a "point" system, which is used to track your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.

Typically, an auto insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company. If a review of your driving record uncovers negative information, there's a chance your insurance rates will increase. Insurers typically use their own "point" system to determine the amount of the increase (if any). Although these systems can vary, most insurers use a system based on the Safe Driver Insurance Plan, which is issued by the Insurance Services Office (ISO).

Each company has their own guidelines determining how many 'points' they will accept before they may cancel or non-renew your policy. You should contact your agent to determine what their guideline is.

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