State Farm Auto Insurance Practice Test

What is a 'minor violation' in the context of driving history?

1. Driving under the influence

2. Speeding

3. Racing

4. Leaving the scene of an accident

The correct answer is: Speeding

In the context of driving history, a 'minor violation' refers to traffic offenses that generally do not carry severe penalties or consequences, typically resulting in less than significant impacts on a driver's record or insurance rates. Speeding is categorized as a minor violation as it usually involves exceeding the speed limit by a small margin and is often punishable by a simple fine or traffic school in many jurisdictions. On the other hand, the other listed behaviors, such as driving under the influence, racing, and leaving the scene of an accident, represent more serious infractions that can carry heavy penalties, including criminal charges, significant fines, potential jail time, and severe consequences for a driver’s insurance premium and driving privileges. These serious violations can lead to major repercussions in the point system used by states to determine the driving eligibility and insurance risk of an individual.