Receiving a traffic ticket in Indiana means more than just paying a fine. Each violation can add points to your driving record, and those points can accumulate quickly. Knowing how Indiana assigns and tracks points can help drivers protect their driving privileges.
How points are assigned to violations
Indiana assigns points to various traffic violations based on their severity. These points remain on the driving record for two years from the date of conviction. The Bureau of Motor Vehicles (BMV) tracks these points and uses them to determine whether a driver poses a risk on the road.
Different violations carry different point values. Minor infractions typically result in fewer points, while serious offenses accumulate more. Common violations and their point values include:
- 2 points: Speeding 1-15 mph over the limit, improper turn or lane change
- 4 points: Speeding 16-25 mph over the limit, following too closely
- 6 points: Speeding 26+ mph over the limit and reckless driving
- 8 points: Passing a stopped school bus
Certain serious offenses, such as aggressive driving or reckless driving causing injury, result in an immediate license suspension instead of standard point accumulation
Consequences of accumulating points
When a driver accumulates too many points, the BMV takes action. When a driver accumulates 20 or more points within 24 months, the BMV initiates suspension proceedings. Drivers at this level must attend an administrative hearing or face automatic license suspension.
The BMV provides drivers with notice before suspension becomes imminent. When a driver reaches 14 points within 24 months, the BMV sends an official warning letter. This warning provides an opportunity to address driving behavior before reaching 20 points, at which point suspension proceedings begin.
Additional penalties for habitual violators
Indiana law also addresses habitual traffic violators. If a driver commits three major violations within 10 years, the BMV may designate them as a habitual violator. This designation can result in license suspension for up to 10 years, regardless of the point total. Major violations include offenses like driving while suspended, reckless driving or leaving the scene of an accident.
Once designated as a habitual violator, the consequences extend far beyond suspension. Insurance rates typically increase. Some insurance companies may refuse coverage altogether. Even after the suspension period ends, the label can create long-term obstacles to reinstating full driving privileges.
Protecting your driving privileges
Many drivers feel helpless after receiving a citation. Understanding Indiana’s point system for traffic violations can help you avoid additional penalties and potential suspension. The more informed you are about the consequences of a violation, the better prepared you are to respond effectively.