According to the Michigan Department of State, each time you are convicted of a traffic violation, you will have to pay certain court fines and costs. In addition, points may be posted to your driver record.

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 driver record only after you have been convicted or found guilty of or responsible for a civil infraction. Points placed on your driver record remain there for two years from the date of conviction.

The dictionary definition of conviction the state of being found or proved guilty or the judgment of a jury or judge that a person is guilty of a crime as charged. In terms of a traffic ticket you can be convicted either in court or typically by pleading guilty or no contest on the ticket and sending it into the court with a payment of the fine associated with the citation.

The system used to post points to your driving record is separate from the points assigned by an insurance company to determine your rate. Michigan's auto insurance is regulated by state law on a competitive basis.

Michigan state law sets forth the factors that companies use when setting their auto rates. Insurers writing individual policies are required at least annually to provide you with a description of the rating classifications they use in setting rates. This notification must occur with the notice of the renewal of the insurance.

If you have a question about your company's rating system and how long they "look back" at your moving violations or keep insurance points you should discuss it with your agent since rating systems differ from one insurance carrier to another. If your current insurance company has raised your rates after a traffic ticket then you can get auto insurance quotes online here with us.