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QuestionInsurance Question  Can I find out how many points are currently on my insurance/driving record?

AnswerAuto Insurance Answer

Yes, you should be able to find out how many DMV points and insurance points you currently have.

DMV points are placed on your driving record by your state licensing agency after a court has notified them of your conviction of a traffic offense or after they are informed of you being in an accident or other situation which merits points in your state. To find out how many points are currently on your driving record you should be able to contact your state's Department of Motor Vehicles and obtain a copy of your driving record or abstract.

In many states you can go to the DMV's website for instructs of how to get a copy of your driving history or MVR. The main ways given by most states is over the Internet, by mail or in persona nominal fee of $3 to $10, depending upon your state's laws, is usually charge for getting a copy of your driver's history.

Your state's DMV should also be able to advise you how long a violation conviction and the points associated with it will stay on your driving record. In many states the points come off your record while the conviction stays on for either a longer period of time or indefinitely.

Insurance points are used to assess the eligibility for auto insurance coverage and for calculation of rates. These points are assigned by your individual insurance company and each has their own type of "point" system. The system will vary but many insurance carriers use the system based on the guidelines set up by the Insurance Services Office (ISO).

As for finding out your total amount of insurance points, you should contact your insurance agent and discuss with them your insurance provider's rating system and insurance point schedule. Your agent should be able to tell you how many insurance points you have accumulated according to the insurance carrier's records.

In many cases the impact of older insurance points lessens over time. If your company adds insurance points for various traffic violations and accident claims, as time goes by and you receive no new violations and file no more claims it will appear that you are a safer driver and these insurance points could be reduced. The reduction of insurance points is another issue to ask your insurance agent about when finding out your points total.

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