Insurance companies in New Jersey can assign insurance eligibility points for driver inexperience, motor vehicle violations, suspensions and at-fault accidents. Insurance points for a violation or accident are dropped when the incident falls outside the 3 year "look back" period.

The schedule of authorized insurance eligibility point is published in the New Jersey Administrative Code (NJAC) 11:3-34. According to the list each at-fault accident is worth 5 points and careless driving is 2 points.

For the most part insurance points match up with motor vehicle violation points. Items that I believe are not listed on the NJSA point scale are: at-fault accident of 5 points, failure to verify insurance involved in an automobile accident of 2 points, 3 points for each full year of a court imposed driver's license suspension and 4 points for being involved in a fatal accident.

To get a copy of your driver's record and motor vehicle points you can contact the NJ Motor Vehicle Commission by mail, online or going to a driver conferencing center and paying $10. As for insurance points you can ask your insurance company for a listing of what points they have listed for you.