In New Jersey, any driver who is convicted of a moving violation is assessed points for each conviction in accordance with the NJSA point schedule. These points are considered motor vehicle points and are placed on your driving record by the NJ Motor Vehicle Commission.

Once a driver is convicted of a violation NJ insurance companies can assign points and assess surcharges. These points are known as insurance points or insurance eligibility points. Generally they are the same as the points imposed for motor vehicle points; however several serious violatins that do not have motor vehicle points assigned tothem will result in an assessment of points by the insurance company.

These insurance points are used by insurance carriers to determine the rate of premiums that an insured will pay for coverage. According to the NJ MVC points cannot be taken away to reduce our insurance surcharge.

Motor vehicle points can be reduced though. Two points can be subtracted every 5 years for taking an approved MVC defensive driving course. Up to 3 points can be subtracted from your driving record basically a year after you last points violation. For more information on either motor vehicle points or insurance points contact the NJ MVC.