If you get twelve points on your driving record in a two year period your driving privileges can be suspended for up to six months. This can make it difficult, but not impossible to get insurance. It will most likely raise the cost though.
Bad Driver Car Insurance, not something to be proud of, but at Save-On Insurance we understand that not everybody in Southern California is a great driver. Car insurance companies today have no worries about having you labeled as a bad driver. All it takes with some insurance companies is one simple speeding ticket to be considered a bad driver, along with your insurance rate rising through the roof. Here at Save-On Insurance.
All insurance companies will insure a high risk driver but they will charge a premium for the insurance policy. You can take out SR-22 if you have had a suspended license. You can go to driving school to reduce your points.
Being a bad driver will cause insurance rates to rise due to the likelihood of the need for an insurance claim. Insurance companies provide lower cost insurance to those that they believe they can trust in the long term.
Make sure that you know exactly how many points are on your license. Depending on the violation, you may be able to get the points reduced. When searching for the right insurance company, make sure to have the money on hand to pay in full. Be honest with the company because they will check your credit report. You may have to pay more for a time. Once the points start to come off your license, then you will be able to look for more affordable insurance.
Are you asking if the insurance can kick off a bad driver? Or are you asking if you can have the insurance policy dropped on a person? For the first one, I think if they really wanted to, they could drop you. But my guess is the company would just charge the bad driver horrible rates... And for the second question yes, you defiently can have someone removed from the policy. (i guess it does depend on policy though)
You obey the rules of the road when you do drive and you wait. The passage of time is the only way for the points to expire. Remember, the points will expire but your driving record lasts forever and your auto insurance company looks at the last five years of your driving record when calculating your premium. The worse your record the higher your insurance premium will be because the insurance company figures that since you're a bad driver, you're more likely to have accidents and make claims which is not what they want.
In terms of your insurance rates? Yes. Very much so. Expect your insurance rate to be much higher than someone in the same situation but with no points.
I am sorry to hear your son is a terrible driver! In New Jersey, car insurance can be purchased from one of the following companies: Geico, Progressive, Allstate, and Farmer's
Anyone can be listed on your car insurance policy as long as they have a valid driver's license. You just have to remember if that person has a bad driving record it will affect your insurance.
Whether you're a good driver or bad driver really doesn't depend on the amount of points on your licence. Just because you don't get caught, it doesn't make you a good driver. For the purposes of employment in a driving job, most employers will refuse to hire you if you have more than three points in three years - the cost to insure you rises exponentially past that point, as will you own policy on your personal vehicle.
There are many companies out there. The best place to find would probably be online.
Possibly if other points are on record and you have a judge that is having a bad day.