Traffic tickets are the bane of many a driver’s existence (as this blog routinely points out!). And, unfortunately, they are often the gift that keeps on giving. That’s because the points that come attached to many traffic infractions –including speeding, red lights, and other moving violations — stay on your record longer than you might think. The damage points on your license do is extensive and long-lasting.

When you consider how points can increase your insurance, how they may eventually result in the suspension of your license and can even cause you to lose your job you’ll begin to understand why it’s important to know all there is to know about the point system – including how long they stay on your record. And why we always suggest you fight your traffic tickets.

Technically, points stay on your record FOREVER, but will only affect you for 3 years.

THREE YEARS!

That’s right, the points you get from a variety of traffic infractions follow you around like pesky critters for 36 months, just under half the length of your average marriage.

Like a rude houseguest, they stick around for longer than they are wanted and their behavior gets increasingly worse. By that we mean the longer they are there and the more of them you accumulate, the more damaging they become.

According to insurance.com – which analyzed information from over 32,000 insurance policies – the average increase to insurance from a single ticket with points was 18 percent. Your third ticket with points in a three year period will boost your insurance by 50 percent.

Just to make it clear: that means if you pay an insurance premium of $1,000, points can skyrocket that figure to $1,500.

Insurance rate increases are only part of the problem with points, however, and not the most damaging.

Accumulation of traffic points is one of the easiest ways to get your license suspended. In Florida, the amount of points and the length of your suspension are as follows:

  • 12 points earned within 12 months results in a 30-day suspension
  • 18 points earned within 18 months results in a 3-month suspension
  • 24 points earned within 36 months results in a 12-month suspension

If 12 points in a year seem like a lot to you, it isn’t. Some tickets like speeding that results in a crash and leaving the scene of an accident burden you with 6 points per infraction, meaning that getting only 2 in a year will result in a license suspension.

If you double that in the three year period points stay on your license, you’re looking at a year without your license!

Want to know how many points different traffic infractions give you? Take Just look at this helpful list the State of Florida decided to hide away on their website.

But even a suspended license is not the worst possible outcome of points on your license. Believe it or not, there is a law that allows employers to consider “misconduct” – which can include points on your license as a reason to deny unemployment benefits.

Being laid off may not be bad enough, now your former bosses can deny you unemployment because of the points you got for speeding in a school zone. It sounds nonsensical, but it is true. Check out the law here:

What does it all mean? Florida’s traffic point system is something you want to avoid if at all possible.

And that’s just another reason – may be the best reason – why strongly suggest to “ALWAYS FIGHT YOUR TRAFFIC TICKETS.”

Got the point? Don’t get points!

For more information on traffic ticket points or to fight your ticket call Unger & Kowitt at 866-374-8355.

blocks with the numbers one two three

The question of “How many points you can have on your license?” before your license gets suspended is one we receive quite a bit. Points on your driver’s license, you should know, are bad. Most people who come into our office seem to have a general understanding of the fact that they don’t want points on their license, which is why our firm offers a “No Points or Your Money Back Guarantee.”

But ask yourself this, “Do you know why points on your license are bad?” or do you just know you don’t want them. Truthfully, knowing you don’t want them and are willing to do anything to avoid them is a great first step, but here are some of the real reasons you don’t want any points on your license.

Points on your driver’s license will lead to the following:

Huge insurance increases

Suspension of your driving privilege

Possible loss of employment benefits and poor credit rating

Believe it or not, having points on your license can increase your insurance by over 50% while those points remain on your license. That’s crazy when you think about it. If your normal insurance premium is $1,000, having points on your license can cause you to pay $1,500 instead.

Now, most insurance companies won’t raise you 50% for having one violation with points on your record, (for your first ticket, the average increase was 18%), but that’s still per year, and points stay on your record for 3 years. This information was provided by analyzing over 32,000 insurance policies.

In addition to paying an enormous increase in your premium, you run the risk of having your license suspended and screwing up your credit rating, which I address in another post.

So the question shouldn’t be “How many points can you have on your license?” as much as it should be “How do I keep points from ever appearing on my license?” and the answer is easy. Always fight your ticket!!