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I am in a weird predicament here. I just found out that my insurance company is raising my car insurance rates based on the information they received from ChoicePoint Inc. (a LexisNexis company).

ChoicePoint Inc., claims that they obtained all the data on me that was available in the Motor Vehicle Report (MVR) from the Colorado Departemnt of Motor Vehicles (DMV). However, this can't be true, if DMV representative is telling it like it is. DMV's MVR report includes the number of points associated with each offense. ChoicePoint Inc. report includes a field for points, but does not list the number of points itself.

Why is this important? I was unable to deal with my tickets in court and thought - no big deal, I'll just pay them within 20 days and get the Colorado automatic plead down arrangement - that's the law. So, for example, instead of getting a 4 point violation on your record for speeding 10-19 over limit, you get 2 points, which is something like "defective vehicle". The only trouble is that while the number of points get reduced, according to a Colorado DMV representative, section 42-2-127 5.5 of the Colorado Revised Statues does not require DMV to change the description of the offense to correspond to the reduced number of points.

In fact, this section of Colorado law reads as follows and does not "not require" that the offense description is made to correspond to the number of points; it simply does not deal with this issue:

If a person receives a penalty assessment notice for a violation under section 42-4-1701 (5) and such person pays the fine and surcharge for the violation on or before the date the payment is due, the points assessed for the violation are reduced as follows:

(a) For a violation having an assessment of three or more points under subsection (5) of this section, the points are reduced by two points;

(b) For a violation having an assessment of two points under subsection (5) of this section, the points are reduced by one point.

Common sense tells you that they have to make things correspond automatically, but DMV apparently holds to the position that, if there is no law that explicitly tells them to make things correspond, then why should they?!

In any case, ChoicePoint Inc., for whatever reason, did not pull the number of points associated with any driving offense on my record and only got the pre plea bargain description of the offense. So, that automated plea bargain turned out to be worthless and my insurance company thinks that I am not so good of a driver!

Any ideas on what I could do to to fix this brilliant error?