NJPAIP Car Insurance Points | Moving Violations Affect Rates

The list below are the most common NJPAIP Car Insurance Points that will increase your policy costs with a NJPAIP Car Insurance policy.

 

NJPAIP Car Insurance Points hinders people from all areas in NJ find insurance regardless of your past history.
NJPAIP Car Insurance Points | Moving Violations Affect Rates| NJMVC Points that will apply to your policy.

 

N.J.S.A.
SECTION
NUMBER

OFFENSE

POINTS

27:23-29

Moving against traffic: New Jersey Turnpike, Garden State Parkway and Atlantic City Expressway

2

27:23-29

Improper passing: New Jersey Turnpike, Garden State Parkway and Atlantic City Expressway

4

27:23-29

Unlawful use of median strip: New Jersey Turnpike, Garden State Parkway and Atlantic City Expressway

2

39:3-20

Operating constructor vehicle in excess of 30 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
and
39:5C-1

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
and
39:4-92

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

39:4-98

Exceeding maximum speed 1-14 mph over limit

2

39:4-99

Exceeding maximum speed 15-29 mph over limit

4

39:4-99

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 a frozen dessert truck

4

39:4-129

Leaving the scene of an accident, No personal injury

2

39:4-129

Leaving the scene of an accident, Personal injury

8

39:4-144

Failure to observe “stop” or “yield” signs

2

39:5D-4

Moving violation out-of-state

2

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NJPAIP Car Insurance Points POINTS ACCUMULATED PERIOD OF SUSPENSION

12 to 15 points in a period of two years or less; 30 days
16 to 18 points in a period of two years or less; 60 days
19 to 21 points in a period of two years or less; 90 days
22 to 24 points in a period of two years or less; 120 days
25 to 27 points in a period of two years or less; 150 days
28 or more points in a period of two years or less; not less
than 180 days
15 to 18 points in a period greater than two years; 30 days
19 to 22 points in a period greater than two years; 60 days
23 to 26 points in a period greater than two years; 90 days
27 to 30 points in a period greater than two years; 120 days

31 to 35 points in a period greater than two years; 150 days

36 or more points in a period greater than two years; not
less than 180 days
12 to 14 points in a period greater than two years; 30 days

(b) For good cause shown, the Director may in his discretion
permit a person to attend a driver improvement
course of the Division of Motor Vehicles in total or partial
satisfaction of a period of suspension imposed
under (a) above. In exercising his discretion, the Director shall
consider the person’s driving record prior
warnings or driver improvement school attendance maturity and any
other aggravating or mitigating factor.

All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement – N.J.A.C. 11:3-16 Eligible Persons Regulation – N.J.A.C. 11:3-34 Standard/Nonstandard Regulation – N.J.A.C. 11:3-19 Underwriting Guidelines – N.J.A.C. 11:3-35

 

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