You are subject to a ticket for driving without insurance the moment one wheel of an uninsured vehicle touches the pavement of a public road under it's own power.
The number of points have nothing to do with an insurance claim. If you are asking about a company refusing to give you auto insurance, it depends on your state and the individual insurance company. For example I have received reports of one company refusing to renew any driver with a 20mph over the limit ticket.
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