The Point System A reason for nonrenewal
Minnesota
Rules, Chapter 2770, prescribe the following point system:
Four
points are assigned for each of the following:
•
Leaving the scene of an accident without stopping to report.
•
A felony involving the use of a motor vehicle, including man slaughter,
criminal negligence, or assault originating out of the use of a motor vehicle.
•
Theft of a motor vehicle.
•
Any violation that results in the suspension or revocation of a driver’s
license, such as Driving While Intoxicated, and unlawful driving after your
license has been suspended or revoked.
Two
and one-half points are assigned for:
•
Reckless driving.
One
and one-half points are assigned for:
•
Careless driving.
One
point is assigned for:
•
A “chargeable” accident in which the insurer pays more than $500, not including
payment made under uninsured or underinsured coverage. A chargeable accident is
defined as an accident in which the insurer makes payment under bodily injury,
property damage, or collision coverage, but there are several exceptions. See
Minnesota Rules 2770.7700 for a complete definition.
•
An open bottle violation.
Three-fourths
point is assigned for:
•
The second and each subsequent speeding violation during the three years
preceding the renewal date.
One-half
point is assigned for:
•
The first speeding violation during the three years preceding the renewal date.
•
A chargeable accident in which total payment by insurer is $500 or less.
•
Allowing someone in your car to have an open bottle.
•
All other violations.
Points
for nonrenewal
Following
is the schedule for the number of points that must be accumulated before a
policy will not be renewed:
Number of household vehicles Insured by the same
insurer
|
Number of points required
to nonrenew
|
1
2
3
4 or more 4
|
2
3
3-1/2
4
|