In which scenario would a driver likely face additional penalties to their insurance rates?

When a driver accumulates multiple moving violations, they are generally perceived as a higher risk by insurance companies. Each moving violation typically signals to insurers that a driver may not adhere to traffic laws or may be prone to risky behavior on the road. Consequently, having several infractions can lead to increased premiums as insurers adjust the rates to reflect the higher likelihood of future claims.

In contrast, scenarios such as being involved in an accident without fault individual may not significantly impact insurance rates because they are not deemed responsible for the incident. Driving alone is generally irrelevant to rate assessments since it does not indicate driving behavior. Therefore, it's the accumulation of multiple violations that most directly leads to heightened insurance penalties.