Accumulating points on a New Jersey driver’s license can happen quickly. Upon reaching 12 or more points, the New Jersey Motor Vehicle Commission (MVC) has the authority to suspend driving privileges, with the duration determined by your overall driving record and the timeframe in which the violations occurred.
The MVC sends a suspension notice
Once your record reaches 12 or more points, the MVC will send you a notice detailing a scheduled suspension. The notice explains the proposed suspension, its length and your options.
Your license is not suspended automatically the moment you reach 12 points. Review the notice carefully because you may have an opportunity to challenge the suspension or qualify for a driver improvement program.
How long can a suspension last?
The suspension period depends on your point total and the time over which you accumulated the points.
Generally, 12 or more points accumulated within two years can result in a suspension of at least 30 days. The suspension may last longer depending on your record and circumstances.
Drivers who accumulate 12–14 points over more than two years may qualify to take the MVC’s Driver Improvement Program instead of serving a 30-day suspension. Eligible drivers must follow the instructions and deadlines in their suspension notice. Successfully completing the program can remove up to three points from their records.
Points can also increase insurance costs
Accumulating points may raise your car insurance premiums. In addition, reaching six or more points within a three-year period triggers a separate surcharge in New Jersey.
The surcharge starts at $150 for six points, plus $25 for each additional point. It may be assessed annually for three years. Insurance increases vary by insurer and driving history.
How can you protect your driving privileges?
If you are approaching 12 points, check your driving record and review any MVC notices promptly. Depending on your circumstances, you may be able to challenge a traffic ticket, contest a proposed suspension or qualify for a point-reduction program.
A New Jersey traffic attorney can review your record, explain your options and help you understand the potential consequences before you decide how to proceed.