Missouri DOR Fines and Limits Practice Test

The penalty for accumulating points on your driving record includes various consequences, reflecting the comprehensive impact that point accumulation has on a driver's status. Increasing insurance rates occurs because insurance companies often assess a driver's risk based on their driving history, and points indicate a higher risk, prompting insurers to raise premiums.

Mandatory driving school serves as a corrective measure for drivers who accumulate points, aiming to improve their driving skills and knowledge, effectively reducing the likelihood of future infractions. This requirement can help mitigate further risks on the road.

Additionally, fines can be imposed as a direct penalty for specific traffic violations that result in points being added to a driving record. This serves both as a punishment and a deterrent against future offenses.

Considering this comprehensive view, the correct answer captures the reality that multiple penalties can arise from accumulating points on a driving record, encompassing increases in insurance rates, mandatory educational programs, and the possibility of fines.