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The state of Indiana as well as Indiana auto insurance companies are serious about the safety of the public roads of Indiana. The state has instituted a program enforced by the state judicial system to enforce the safety of the states public roads. This is a combined effort to keep Indiana auto insurance rates as low as possible.
Indiana has a point system which is associated with various traffic violations. As a driver is cited for a traffic violation, points are assigned to each conviction and place on that driver's record. To avoid the label of a habitual traffic violator, a driver need to make sure they do not accumulate 18 points during a two year period. At the very least, a habitual traffic violator may face having their driver's license suspended for at least 30 days to one year. However, there are much more punitive actions which may occur, if a driver were to be convicted of more serious traffic violations which involve the use of alcohol, reckless driving, or the loss of life, during any one of their traffic convictions. The consequences for the more serious traffic violations is the loss of driving privileges for up to 10 years, and the period under consideration is the past 10 years. In other words, if you accumulate up to 18 points and one of the traffic convictions during the last 10 years is a reckless driving offense, alcohol-related offense, or one where another loses their life, the driver may face the loss of their license for up to 10 years. This does not include criminal convictions and jail time to be served for those convictions.
If a habitual traffic offender is found to be driving while under suspension of their driver's license, the consequences for that behavior is loss of driving privileges for life. However, most Indiana drivers, do not fall into the habitual traffic offender category, but a driver may accumulate 2 or more traffic convictions in a 1 year period, and be required to attend a BMV approved driver safety course. A driving violation conviction stays on a driver's record for two years from the date of conviction.
Indiana auto insurance companies remind drivers the accumulation of traffic violation points negatively impacts a driver's insurance rates, so a driver may want to consider driver safety programs to reinforce their knowledge of traffic rules, especially as a driver gets older. The taking of such courses will positively impact their Indiana auto insurance rates.
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