Yes. Insurance companies don't just go off your drivers license record. They also check several other insurance company data bases because many accidents are not reported to the police. If an accident claim was filed the Insurance company who handled the claim will have it in their database as well.
12 points
you get fined and lose license
0
If you receive 12 points on your driver's license, it will be suspended
no
Yes. How many points depends on the state in which you live and the EXACT charge against you.
VT, or Vermont, will allow ten points. Once ten points have been accumulated on an individuals license, Vermont DMV will send out notifications to the person to inform them that their drivers license has been suspended.
Yes. All states and US territories share their drivers license databases.
No. But you can be fined.
yes
Yes! Traffic offenses/points always transfer to your new state of residence when obtaining an out of state license. However, it is possible to get a new drivers license in a different state (if you relocate) if your license is currently suspended in the state you live in.
Only moving violations affect your points.