NY DMV and Insurance Demerit System Points

11 Points

Speeding, VTL § 1180 41 MPH or more over the speed limit. Plus, license suspension and a $675 assessment
 
8 Points

Speeding, VTL § 1180 31–40 MPH over the speed limit. Plus $450 assessment and possible license suspension
 
6 Points

Speeding, VTL § 1180 21–30 MPH over the speed limit. Plus $300 assessment
 
5 Points

Reckless driving, VTL § 1212. Also, a misdemeanor conviction

Passing a stopped school bus, VTL § 1174

Cell phone, VTL § 1225
 
4 Points

Speeding, NY VTL § 1180, 11–20 MPH over the speed limit

Following too closely, VTL § 1229

Inadequate brakes or steering, VTL § 375
 
3 Points

Speeding, unspecified speed, VTL § 1180a

Failure to yield the right of way at an intersection, VTL § 1140

Fail to yield right of way when turning left, VTL § 1141

Fail to yield right of way at stop sign or yield sign, VTL § 1142

Fail to yield right of way when entering roadway, VTL § 1143

Fail to yield right of way to an emergency vehicle, VTL § 1144

Disobey railroad crossing, VTL § 1171

Disobey stop sign, VTL § 1172

Disobey yield sign, VTL § 1142

Fail to yield right of way to a pedestrian, VTL § 1146

Disobey traffic light, VTL § 1111

Prohibited passing on right, VTL § 1123

Unsafe / Improper passing, VTL § 1124

Unsafe lane change, VTL § 1128

Driving left of center, VTL § 1124
Opposite way on a one-way street, VTL § 1127

Leaving the scene of an accident, VTL § 600

Failure to restrain children 15 and under, NY VTL 1229-C
 
2 Points

Failure to obey a traffic control device, VTL § 1110(a)

Failure to obey a traffic control officer VTL § 1102

Fail to signal lane change, NY VTL § 1163

Any moving violation not assigned a specific point accrual

Accumulating 6 or more points in any given 18-month period, as calculated from the violation dates, causes additional fines, called an assessment. There are no assessments for the accumulation of up to 5 points in any given 18-month period. However, once you hit 6 or more points, the assessments kick in. The assessment is $300.00 for the first 6 points and $75.00 for every point thereafter.

Example: You mail your ticket for talking on a cell phone with a guilty plea and accrue 5 points. Eight months later, you mail your ticket in with a guilty plea for speeding 21 MPH over the speed limit and accrue an additional 6 points. Added together, that’s 11 points in an 18-month period. The NYS DMV will now fine you $675.00 ($300.00 for the first 6 points and then $75.00 for every point thereafter). In addition, your license will now be suspended as you went over 10 points in total. It will remain suspended until 18 months after your first conviction date.

Even if a violation you have been charged with does not carry DMV points, it may nonetheless carry insurance demerit system points. This is because while the NYS DMV point system and insurance demerit system are similar, they are not alike.
The DMV point system is there to suspend you as a punitive measure for too many points in a short period of time and to also fine you for going over 5 points. The insurance demerit system is designed to raise rates for activities that the insurance company deems you as a more risky driver.

For example, while driving without wearing a seatbelt is 0 points, it is an insurance demerit that can cause an insurance increase. Likewise, driving without or on a suspended license or in an unregistered or suspended registered vehicle will not accrue DMV points but will accrue insurance demerit system points. NY DWI carries no DMV points, but your insurance premium will take a major hit.

Our law office offers convenience, ease, and certitude of a positive outcome. Our traffic ticket defense service is convenient because it is statewide. We will represent you in any court in the State of New York. Our traffic court defense service is easy because our traffic court lawyers get your court appearance waived so you do not have to go to court. Nor do you ever have to come to our office. In other words, we do everything for you. We give you peace of mind that you will have a positive outcome by giving you a money-back guarantee, in most cases, to reduce or eliminate the points and thereby prevent an insurance increase or license suspension.

Getting started with our office is easy. Call us toll-free at (877) 99-NO-TIX (1-877-996-6849) or email us through this site. All we need to know is your name, the name of the court your speeding ticket is returned to (or the town or county where you were issued the ticket), the charge or charges, and if a speeding ticket, then the speed limit and the speed charged. You can do this by writing the information in an email, canning and emailing your ticket(s), or faxing the tickets to us at (914) 777-2999. With that minimal information, we can provide you with a no-cost, no-obligation phone consultation. Don’t wait. Call today!