The New Jersey Motor Vehicle Commission (MVC) only records DMV points, not insurance points, to your NJ driving record. The NJ MVC notes that if you are convicted of a moving violation, MVC will penalize you by adding points to your driving record. You will only get points on your record for moving violations - points are not assessed for parking and other violations.

The New Jersey MVC violation points list does not list points for just being in an accident, though if there is a police report it may be listed on your driving record, just no points being assigned. Normally for driver license points to be placed on your motor vehicle record (MVR) there would be a moving violation associated with it that you were cited for by the police at the scene of the accident.

The NJ insurance company would not typically notify the MVC just because you had two accident claims within a 3 year period. If you had an accident but did not have a police report the insurance company would investigate to determine fault and how the claims would be paid out but not normally get the MVC involved.

Insurance points would be assessed by your insurance company according to the insurance eligibility points system. As the NJ MVC notes about driver license points, getting points on your license may also increase your insurance rates but you need to contact your insurance agent for details since rating systems differ. Normally though an at-fault accident will mean that an insurer will assess you 5 insurance points. A moving violation ticket does not need to be given for insurance points to be assessed for an at-fault accident.

According to the NJ Department of Banking and Insurance (DOBI), the insurance regulator for New Jersey, insurance eligibility points are merely used as a guide to help the company determine whether you are eligible for auto insurance in the voluntary market.

In accordance with New Jersey regulations for Eligible Person Qualifications, 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.

As a result, some insurers will direct them to purchase insurance through the Personal Automobile Insurance Plan (PAIP). It is important to note, however, that not all insurers in the voluntary market refuse to cover drivers with seven or more insurance eligibility points. If you have seven or more insurance eligibility points it may be a good idea to shop around and compare your coverage and pricing options.

Each company has underwriting guidelines to determine what type and how many accidents and violations during a specific period constitute a high-risk driver.

Pursuant to NJAC 11:3-34.5 automobile insurance eligibility points shall be accumulated as a result of convictions, suspensions, revocations and determinations of responsibility for civil infractions in accordance with the schedule set forth in the Appendix to this sub-chapter herein incorporated by reference.

The NJ law goes on to say that insurance points for an at-fault accident shall accrue on the date that total payment by the insurer equals or exceeds $1000.00. An insurer may, at its option, use the date of the accident or date of first payment provided, however, that the insurer shall not underwrite or rate any policy based on the accident until total payment by the insurer equals or exceeds $1000.00. The amount used to be $500 but was raised to $1000 in the last few years.

You can get more information about New Jersey's insurance eligibility points system you should contact your agent to discuss the points system and/or the DOBI. Your insurance company can also tell you how these 2 accidents within a 3 year period will affect your rates and if they will drop you because of you being considered a high risk driver.

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