All drivers must remember that it is a privilege to drive and that they could lose their license for breaking the law. Failure to follow the law can also result in traffic accidents. To keep motorists safe the courts and law enforcement officials have implemented penalties for illegal driving maneuvers that could result in an accident. These penalties are moving violations due to the fact that they occur when the vehicle is in motion. An example of a moving violation is passing with insufficient clearance. This violation means that one driver cut-off another driver in order to pass on one side of the road. The result of this type of violation can mean points on the driver's license and fines. Along with points drivers can expect to face higher insurance rates. Insurance companies can easily access a driver's records and determine when to raise his rates due to accidents and violations.