The New Jersey Administrative Code (NJAC) 11:3-34.5 discusses automobile insurance eligibility points. Here it states automobile insurance eligibility points shall be accumulated as a result of convictions, suspensions, revocations and determinations of responsibility for civil infractions.

Once a driver is convicted of a violation, both the New Jersey Motor Vehicle Commission (MVC) and NJ insurance companies can assign points and assess surcharges. The points placed by insurers 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 violations that do not have motor vehicle points assigned to them will result in an assessment of points by the insurance company. The New Jersey Department of Banking and Insurance fact page on buying insurance notes that insurance eligibility points for a violation or accident are dropped when the incident falls outside the three-year “look back” period.

The New Jersey regulations for Eligible Person Qualifications states that any driver who has accumulated seven or more insurance eligibility points for the three-year period immediately preceding the application for insurance or the three-year period ending 90 days prior to renewal of a policy may not be considered eligible to purchase coverage in the voluntary market.

You mentioned you had 9 insurance points which would typically place you as an at-risk or assigned risk driver. Once your point total falls below seven, you will again become eligible to purchase insurance in the voluntary market. If you want to start comparison shopping now for insurance rates you can get a New Jersey car insurance quote with us.