**Traffic Points and Their Effects in New Jersey**

[New Jersey’s traffic points system ](https://njmcdirectpay.info/)plays a crucial role in promoting safe driving and penalizing violations. Understanding how this system works, the points associated with various traffic offenses, and the consequences of accumulating points is essential for every driver in the state.
**What is the Points System?**
The [New Jersey Motor Vehicle Commission ](https://njmcdirectpay.info/)(MVC) uses a points system to monitor driver behavior. Points are assigned to a driver's record when they are convicted of certain traffic violations. The more severe the violation, the more points are added.
Points Assignment for Common Violations
Here are some common traffic violations and their associated points:
• Speeding (1-14 mph over the limit): 2 points
• Speeding (15-29 mph over the limit): 4 points
• Speeding (30-49 mph over the limit): 5 points
• Reckless Driving: 5 points
• Running a Red Light: 2 points
• Failure to Stop at a Stop Sign: 2 points
• Driving Without a Valid License: 2 points
• Tailgating: 5 points
• Driving Under the Influence (DUI): 8 points
**Effects of Accumulating Points**
1. Financial Penalties
Drivers who accumulate 6 or more points within three years will face surcharges. The fees are as follows:
• 6 points: $150 surcharge
• Each additional point over 6: $25
2**. License Suspension**
Accumulating 12 or more points within a two-year period can result in a license suspension. The length of the suspension is determined by the number of points:
• 12 to 14 points: 30-day suspension
• 15 to 17 points: 60-day suspension
• 18 or more points: 90-day suspension
3. Insurance Consequences
Having points on your driving record can lead to higher insurance premiums. Insurance companies view a driver with multiple points as a higher risk, which can result in increased rates or even difficulty in securing insurance coverage.
4. Defensive Driving Courses
To mitigate the effects of points, drivers can complete a state-approved defensive driving course. Successfully finishing the course can remove up to 2 points from the driving record.
5. Employment Implications
For jobs that require driving, having a high number of points can jeopardize employment opportunities. Many employers conduct background checks that include driving records, and a poor record may lead to job loss or limited job options.
Monitoring Your Points
Drivers can check their points by accessing their driving records through the MVC’s website or by contacting the MVC directly. Staying informed about your point status allows you to take corrective measures if necessary.
Conclusion
The traffic points system in New Jersey serves as a critical tool for promoting safe driving practices. By understanding how points are assigned and the consequences of accumulating them, drivers can make informed decisions to protect their licenses and maintain safe driving habits. Avoiding violations, considering defensive driving courses, and regularly checking your driving record are all proactive steps to ensure a clean slate on the road. Safe driving benefits everyone and contributes to overall road safety.