Failure to Yield Right of Way 1 Point. Failure to Stop for Siren 1 Point. Driving with no Liability Insurance 1 Point. At Fault Accident (property damage > $1,800, but < $3,000) 2 Points. Speeding (>10 mph over limit when speedlimit is > 55, but < 76) 2 Points. Speeding (less than 10mph over limit when speed limit is 55 or greater) 2 Points.