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Points and Insurance Rates

What are Points on your license and what does it mean? 

In New York, traffic tickets referred to as “moving violations” often come with points attached to any conviction. Receiving 11 points or more within an 18 month period, will result in a license suspension or revocation by the Department of Motor Vehicles (DMV). Certain moving violations such as speeding 40 MPH over the posted speed limit carry 11 points and can result in a suspension by themselves.

A conviction of certain traffic violations and the accumulation of points can also affect your insurance rate. NY Insurance Law lists multiple scenarios that allow an insurance carrier to raise your rates.

ISC § 2335

No insurer authorized to transact or transacting business in this state, or controlling or controlled by or under common control by or with an insurer authorized to transact or transacting business in this state, which sells a policy providing motor vehicle liability insurance coverage in this state shall increase the policy premium in connection with the insurance permitted or required by this chapter solely because the insured or any other person who customarily operates an automobile covered by the policy:

(b) has been found guilty of a traffic infraction under any of the provisions of the vehicle and traffic law provided, however, that this provision shall not apply to a conviction for a violation which occurred during the thirty-six month (3 year) period ending on the last day of the fourth month preceding the month of the effective date of the policy if such conviction consisted of:

(1) operating a motor vehicle at a speed of more than fifteen miles per hour in excess of the legal limit;

(2) operating a motor vehicle in excess of the speed limit, or in a reckless manner, where injury or death results therefrom;

(3) operating a motor vehicle in excess of the speed limit, or reckless driving, or any combination thereof, on three or more occasions;

(4) operating a motor vehicle while intoxicated or impaired by the consumption of alcohol;

(5) operating a motor vehicle while impaired by the use of a drug, within the meaning of section one thousand one hundred ninety-two of the vehicle and traffic law;

(6) homicide or assault arising out of the use or operation of a motor vehicle, or criminal negligence in the use or operation of a motor vehicle resulting in the injury or death of another person, or use or operation of a motor vehicle directly or indirectly in the commission of a felony;

(7) operating a motor vehicle while seeking to avoid apprehension or arrest by a law enforcement officer;

 

(8) filing or attempting to file a false or fraudulent automobile insurance claim, or knowingly aiding or abetting in the filing or attempted filing of any such claim;

(9) leaving the scene of an incident without reporting;

(10) filing a false document with the department of motor vehicles, or using a license or registration obtained by filing a false document with the department of motor vehicles;

(11) operating a motor vehicle in a race or speed test;

(12) knowingly permitting or authorizing an unlicensed driver to operate a motor vehicle insured under the policy;

(13) operating a motor vehicle insured under the policy without a valid license or registration in effect, except when the person convicted had possessed a valid license or registration which had expired and was subsequently renewed, or during a period of revocation or suspension thereof, or in violation of the limitations applicable to a license issued pursuant to article twenty-one or article twenty-one-a of the vehicle and traffic law;  or

(14) two or more moving violations of any other provision of the vehicle and traffic law;

A conviction for a traffic ticket can have significant consequences beyond the fines and surcharges imposed. You should never plead guilty to any traffic ticket you receive before you speak with a lawyer. The attorneys at Fox Law Firm, PLLC have years of experience dealing with traffic violations throughout Suffolk County. We will utilize our experience to fight for you and get the best results possible.  Call us at 631-779-3400 or visit our contact page for more information.

What Are Collateral Consequences in Criminal Law?

A criminal conviction can come with more consequences than meets the eye. In addition to fines, probation and/or jail sentences a criminal conviction can lead to “collateral consequences.”

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How Can You Deal With Points From Speeding Tickets?

An average of about three million traffic tickets are issued in the State of New York every year, with more than 500,000 of those tickets being speeding tickets. What happens if your convicted of a speeding ticket and what can you do if you have been issued a speeding ticket or any other moving violation?

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Seven Common Types of Distracted Driving

Distracted driving is one of the top causes of motor vehicle accidents across the United States, accounting for around one in four of all auto accidents every year. Part of the reason it is such a common cause of accidents is because people will often engage in other activities when they are supposed to be focused on driving. Here are just seven of the most common types of distracted driving seen on the road:

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Five Ways to Protect Your Rights if You Are Arrested

If you have been arrested or accused of a crime, it is easy to make a mistake that could significantly impact your ability to defend yourself in court. Fortunately, there are a few things you can do to help yourself. Here are five ways to protect yourself if you get arrested by the police:

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What Should You Do if Your License is Suspended?

Every day, millions of people across New York State depend on their ability to drive to go to work, do errands, and generally accomplish the things they need to do to live. However, this can get thrown into chaos if your driver’s license is suspended. So what should you do if you find yourself with a suspended license?

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What Should You Do if You Are Interrogated by the Police?

It can be terrifying to be interrogated by police officers. Officers are highly trained in an array of tactics to get individuals to confess or incriminate themselves. Fortunately, there are things you can do to protect yourself from police pressure and protect your rights. Here’s what you need to know if you are ever interrogated by police.

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Five Factors That Contribute to Pedestrian Accidents

Pedestrian accidents are among the most dangerous of all motor vehicle accidents, with a higher rate of severe injury and death than almost any other type of accident. Sadly, many of these accidents are avoidable, and are caused by factors that could be prevented or mitigated with adequate care on the part of negligent drivers. Here are five important factors that contribute to the likelihood of pedestrian accidents:

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Seven Major Types of Premises Liability Accidents

“Premises liability” is the broad term for any lawsuit that results from a property owner failing to take appropriate care of their property. When they are negligent, they place their tenants, guests, and others at risk of otherwise avoidable injuries. Here are seven major premises liability incidents that can result from property owners’ negligence:

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Seven Signs of a TBI You Should Watch Out For

Traumatic brain injuries, also known as TBIs, are some of the most insidious types of injuries people can experience because they often go undetected. If you know the signs, however, you can recognize these “invisible injuries” and get them treated as quickly as possible. Here are seven potential signs of a TBI you should watch out for after a serious accident:

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I used to drive a Vespa. On June 3, 2025, I was cut off by a driver and suffered a broken wrist that required surgery and a broken leg. Dan was not only a sympathetic advocate, he resolved my claims very quickly. He was the ultimate professional, was true to his word, responded to all my questions in timely a fashion, and resolved my claim faster than I could have imagined. Additionally, he has promised to be there for me in the future if unforeseen issues and questions arise. Dan really cares about his clients. I highly recommend Dan Fox to be your attorney.
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