Which of the following is considered a consequence of accumulating points on a driving record?

Accumulating points on a driving record typically leads to enhanced insurance rates. Insurance companies assess a driver’s risk based on their driving history, and points indicate a higher likelihood of future incidents. As a result, insurers may increase premiums to offset the perceived risk associated with driving behavior that has resulted in penalties. This can have significant financial implications for drivers as they may face higher costs for their auto insurance coverage.

The other options do not accurately reflect consequences associated with accumulating points. Legal immunity from minor violations and automatic license renewal are not benefits derived from having points on a record. Likewise, points generally do not lead to driving rewards; instead, they usually reflect a history of violations that could result in penalties or increased costs rather than any opportunities or incentives.