in georgia, license points allow officials to track reckless drivers. the more serious the violation, the more points will be added to your license. If you get 15 points on your driving record within 24 months, your license will be suspended.
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In addition to license revocation, there are other consequences for license points. Let’s explore how license points affect insurance rates in Georgia.
how can license points affect insurance rates in georgia?
Although insurance companies in Georgia do not directly reference license points when deciding rates, a violation on your record will undoubtedly affect your premium. Even if you already have auto insurance, your provider can raise your premium, cancel your policy, or deny renewal if you’ve been in violation.
Points on your license act as a warning that you are not a careful driver, and insuring reckless drivers is a risk to the insurance company. Insurers are always looking for ways to cut costs, and if you have points on your record, the insurance company will see you as a liability. they may respond by charging you a higher rate for coverage or rescinding your policy altogether.
If you’ve been convicted of a moving violation one or more times, it’s a good idea to keep track of the points on your license and when they are taken off. points remain on your driving record for two years from the date they are added. You can get a copy of your driving record from the Georgia Department of Driver Services (DDS) online, in person, or by mail.
Are license points and insurance points the same thing?
license points are not insurance points. Insurance companies use their own point system when calculating rates and deciding coverage eligibility. The point system varies by insurance company, and the insurer generally does not share these points with the public.
The insurance company will assign a higher point value if the violation is more serious. therefore, the more insurance points you accumulate, the more your insurance premium will increase. however, if you can go a long time without new violations or insurance claims, your point value and insurance rates will decrease.
Please note that having points on your license may also mean you will need to purchase SR-22 insurance. If that’s the case, you’ll need to find an insurance company that offers SR-22.
how is sr-22 auto insurance related to license points?
sr-22 auto insurance is also known as certificate of financial responsibility (cfr). Insurance companies send this document to the state of Georgia to confirm that your policy is active and meets minimum liability requirements. in other words, it shows the state in which you are responsible for your coverage.
if your license is suspended, you may need to purchase an sr-22 document before you can reinstate your license. You may also need to obtain an SR-22 Certificate of Insurance if:
- get multiple traffic violations in a short period of time
- are convicted of drunk driving or negligent driving
- driving with a suspended license
- operate a vehicle without adequate auto insurance coverage
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While having points on your license doesn’t mean you need SR-22 insurance, insurers will see certain situations (like the ones above) as evidence of poor driving. therefore, actions that involve having points on your license may lead to an sr-22 requirement.
Is there a way to prevent points from being added to my license?
If you receive a ticket for a moving violation, you may be able to prevent points from being added to your license. You can try to contest the ticket or complete a defensive driving course to demonstrate your ability to safely operate a vehicle. if successful, you can prevent points from being added to your record.
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how do i deduct points from my georgia driver’s license?
points remain on a license for two years. In Georgia, drivers can take up to seven points off their license every five years. To qualify for point reduction, you must complete a certified driver improvement course. Then you must physically deliver or mail your certificate of completion to a georgia dds customer service center.
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