Under Michigan’s point system, each traffic violation has a point value, which is set by law in the Michigan Vehicle Code. Points are placed on your driving record only after you have been convicted or found guilty of, or responsible for, a moving violation. Points placed on your driving record remain there for two years from the date of conviction. It does not sound as if you were ticketed for any violation though so it does not appear that you received any DMV points.

The system used to post points to your driving record is separate from the points assigned by an insurance company to determine your rate. MI insurance laws dictate the point system used by the insurance companies in Michigan, so yes insurance points can vary by state depending upon each state's laws.

The Michigan Office of Financial and Insurance Services auto insurance eligibility fact sheet states that the first accident in which you are more than 50% at fault is 3 points. The second and all following accidents in which you are more than 50% at fault are worth 4 points.

Find out more about how this parking lot accident could affect your rates by speaking with your insurance agent. If your premiums are too high try comparison shopping for better Michigan insurance rates here with us.