[P073a]

points or surcharge points
1) When referring to motor vehicle reports (MVRs), it is a grading system assigned by each state, where points are assessed against a driver based upon a combination of the number of violations and the degree of seriousness of those violations. When a specified point total is reached or exceeded within a stated period of time, the suspension of the driver's license usually results.

2) With respect to automated underwriting systems (AUS), it usually refers to deficiency points assessed against a risk being run through the system. When a specified number of points accumulate, the risk either receives a rating surcharge, is declined, or triggers a manual review of the account by an actual underwriter.