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New Jersey Statutes Annotated	Event Description	Moving Violation Points	Inexperienced Driver Assessment	Total Insurance Eligibility Points
39:4-50	Operating a motor vehicle under the influence of alcohol or drugs	9	3	12
39:4-52	Racing on highway	5	3	8
39:4-96	Reckless driving	5	3	8
39:4-99	Exceeding maximum speed 15-29 mph over limit	4	3	7
39:4-1 28.1	Improper passing of school bus	5	3	8
39:4-129	Leaving the scene of an accident - Personal Injury	8	3	11

 

 

When do parents have to add a teenager to their auto policy?

You should notify your parents’ insurer when you are ready to obtain your driving permit. Any change in their insurance cost will either apply when you receive a permit or license, depending on the insurance company’s rating plan. (Remember: Failure to disclose all of the drivers in a household to your insurer can be construed as a form of insurance fraud - see page 32, which is subject to policy cancellation, civil fine, or penalty under the New Jersey Insurance Fraud Prevention Act.) Most insurers offer discounts for multiple cars, so it will most likely cost less for a young driver to be added to their parents’ policy than to purchase their own. However, any driver with a car titled and registered in their name can purchase insurance. Check with your agent, broker or insurance company to understand the factors to consider when making such a decision.