yup, yup, and yup. It will show up in the insurance rates at renewal time. Yes, you now have so many points assessed against your driving record for points for the court system. Once you max out on points, your license will be suspended for so long. If you apply for your own insurance policy, and you are a single male under age 27, be ready to sacrifice your soul to the insurance company. If you own an OLD car, like about 10 years old, paid in full, and a car not considered high risk or a racing vehicle, THEN, you will have a lower rate for LIABILITY only, no actual car coverage at all. You might get away with about $1200 a year, but that's just a guess. and take a high deductible like $500.00, meaning, you pay the first $500 on any claim against you. Your rates will be lower if you take a higher deductible. Liability is just insurance for the other person if YOU hit someone or another car or property damage like someone's house/fence. No coverage for your car at all. sorry, life sucks. join the rest of us who sacrifice daily to the insurance companies who rule us. 😱 😈 😄 😛