Insurance Eligibility Points

So what are insurance eligibility points?

Insurance points are used by insurance carriers to determine the level of premiums that an insured must pay for liability coverage. A total of 7 or fewer points will determine the tier of coverage for which an insured may qualify when purchasing insurance in the NJ voluntary market. An accumulation of more than 7 insurance points will disqualify you from purchasing insurance in the voluntary market. However, you may attempt to purchase insurance on an assigned risk basis through the New Jersey Automobile Insurance Plan (N.J.P.A.I.P), although the premiums for even basic, minimal coverage will be more expensive than the rates available in the voluntary market. Thus, it is extremely important to protect your record or you could be paying for years.

What violations result in insurance eligibility points?

New Jersey Turnpike, Garden State Parkway and Atlantic City Expressway
27:23-29	Moving against traffic	2
27:23-29	Improper passing	4
27:23-29	Unlawful use of median strip	2
All roads and highways
39:3-20	Operating constructor vehicle in excess of 45 mph	3
39:4-14.3	Operating motorized bicycle on a restricted highway	2
39:4-14.3d	More than one person on a motorized bicycle	2
39:4-35	Failure to yield to pedestrian in crosswalk	2
39:4-36	Failure to yield to pedestrian in crosswalk; passing a vehicle yielding to pedestrian in crosswalk	2
39:4- 41	Driving through safety zone	2
39:4-52	Racing on highway	5
39:4-55	Improper action or omission on grades and curves	2
39:4-57	Failure to observe direction of officer	2
39:4-66	Failure to stop vehicle before crossing sidewalk	2
39:4-66.1	Failure to yield to pedestrians or vehicles while entering or leaving highway	2
39:4-66.2	Driving on public or private property to avoid a traffic sign or signal	2
39:4-71	Operating a motor vehicle on a sidewalk	2
39:4-80	Failure to obey direction of officer	2
39:4-81	Failure to observe traffic signals	2
39:4-82	Failure to keep right	2
39:4-82.1	Improper operating of vehicle on divided highway or divider	2
39:4-83	Failure to keep right at intersection	2
39:4-84	Failure to pass to right of vehicle proceeding in opposite direction	5
39:4-85	Improper passing on right or off roadway	4
39:4-85.1	Wrong way on a one-way street	2
39:4-86	Improper passing in no passing zone	4
39:4-87	Failure to yield to overtaking vehicle	2
39:4-88	Failure to observe traffic lanes	2
39:4-89	Tailgating	5
39:4-90	Failure to yield at intersection	2
39:4-90.1	Failure to use proper entrances to limited access highways	2
39:4-91-92	Failure to yield to emergency vehicles	2
39:4-96	Reckless driving	5
39:4-97	Careless driving	2
39:4-97a	Destruction of agricultural or recreational property	2
39:4-97.1	Slow speed blocking traffic	2
39:4-97.2	Driving in an unsafe manner (points only for third or subsequent offense within five years of most recent 39:4-97.2 conviction)	4
39:4-98	Exceeding maximum speed 1-14 mph over limit	2
39:4-98	Exceeding maximum speed 15-29 mph over limit	4
39:4-98	Exceeding maximum speed 30 mph or more over limit	5
39:4-105	Failure to stop for traffic light	2
39:4-115	Improper turn at traffic light	3
39:4-119	Failure to stop at flashing red signal	2
39:4-122	Failure to stop for police whistle	2
39:4-123	Improper right or left turn	3
39:4-124	Improper turn from approved turning course	3
39:4-125	Improper u-turn	3
39:4-126	Failure to give proper signal	2
39:4-127	Improper backing or turning in street	2
39:4-127.1	Improper crossing of railroad grade crossing	2
39:4-127.2	Improper crossing of bridge	2
39:4-128	Improper crossing of railroad grade crossing by certain vehicles	2
39:4-128.1	Improper passing of school bus	5
39:4-128.4	Improper passing of frozen dessert truck	4
39:4-129	Leaving the scene of an accident - no personal injury	2
39:4-129	Personal injury	8
39:4-144	Failure to observe stop or yield signs	2
39:5C-1	Racing on highway	5
39:4-50	DWI/DUI	9
39:4-50.4	DWI Refusal	9
2C:11-1	Vehicular Homicide	9
39:3-40	Driving while suspended	9
39:6B-2	Driving without insurance	9
39:6A-15	Misrepresentation of insurance coverage	9
39:3-7	Obtaining driver's license or registration through deception	5
39:3-38	Use of counterfeit plates	5
39:3-38.1	Counterfeit driver's license or registration	5

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