1. 54 POINTS
    Daniel Wheeler
    Risk Manager, Kovalev Insurance Agency, Massachusetts
    In MA, driving records are broken into 3 and 6 year increments for surcharges. A driver can be "clean in three" and begin to earn back safe driver points one point per year until the 6 year mark. At that point, the surcharge points fall off. Points are issued from the surcharge date, which may not always match the incident date.
    Answered on July 17, 2017
  2. 1185 POINTS
    Scott W JohnsonPRO
    Manager, Marindependent Insurance Services LLC, California
    It depends on the state you are in, the insurance company you are referring to, and a few other factors.

    But there is really is no such thing as a clean record. You will always have an accident or a ticket on your record, it just will not show up on a report that pulls recent incidents.
    Answered on December 5, 2017
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