Driver Violation Guidelines

February 9, 2024 8:00 am

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Insurance carriers typically outline both minor and major driver violations to ensure safe and responsible driving behaviors for their insureds. These guidelines may vary, but here are examples of minor and major driver violations to reference:
Minor Violations:
  • Careless Driving
  • Driving the Wrong Way/Direction
  • Driving too Fast for Conditions
  • Improper Lane Change
  • Failure to Maintain Lane
  • Failure to Obey Traffic Control Device
  • Following too Closely
  • Failure to Yield
  • Impeding Traffic
  • Improper Passing
  • Improper Parking on the Side of the Road/Highway
  • Speeding Less than 15mph Over the Speed Limit
  • Driving Too Fast for Conditions
  • Failure to Signal
  • Distracted Driving

Major Violations:

  • Felony Convictions
  • Driving with a Suspended License
  • Driving without Insurance
  • Failed DOT Drug Test
  • Failure to Report an Accident
  • Failure to Stop for Emergency Vehicle
  • Failure to Stop for a School Bus
  • Operating Vehicle Without Owner’s Consent
  • Reckless/Negligent Driving
  • Speeding 15+ mph Over the Speed Limit
  • Speeding in a School Zone
  • Speeding in a Construction Zone
  • Use of a Mobile Device While Driving
  • Driving Under the Influence of Alcohol or Drugs
  • Leaving the Scene of an Accident Without Stopping
  • Running a Red Light or Stop Sign
  • Preventable Accident


Note that consequences for violations can vary. Additionally, companies may have specific policies for drivers, and repeat violations can lead to more severe penalties, including termination of employment. Drivers are encouraged to prioritize safety and adhere to traffic laws.

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