Too many points on a driving record may result in the revocation or suspension of the driver's license. It also poses a risk of increased insurance rates or cancellation of the policy.
Many states assign points to a driver's record for traffic tickets and moving violations. Points drop off of the record after a specified period of time, however, time frames vary according to the state and the violation. Insurance providers use the points to assess the level of risk the driver poses. If it considers a driver high-risk for filing a claim based on a high accumulation of points, it increases the rates of keeping the driver insured.
Points are assigned to different violations in a variety of ways depending on the state. A driver can request a copy of his driving record in order to see how many points have accumulated and dispute any errors. If a driver's license has been revoked or suspended, a request for reinstatement can be made. Further information about how to have a license reinstated is available on the official website of the Department of Motor Vehicles.
Violations appear on a driver's record regardless of whether or not the points system is used in the state. Reckless driving, speeding, and driving under the influence are all violations that increase the chances of losing a driver's license or result in the increase of insurance rates.