Can a car insurance company make up points on your license?
So in early march my apartment was raided for pot, and a 1/2 gram was found. I was convicted of possession of marijuana and as part of Michigan’s driving laws even if the incident did not occur in a car your license is restricted for 6 months. Yesterday my mother (the insurance for the whole family is in her name) received a notice that i had 8 points on my license and my insurance rates would be raised. Confused about this i went to Sec of State and in fact found out that i have no points. I called Memic and explained this to them, they informed me that they do not use actual points, they use their system of points. For example OUID is a 6 point offense but they count it as 8 points. Passing a stopped school bus (which as far as i can tell is no points) they view as 8 points.
My question is, can they do this? We are switching insurances next month due to cheaper rates but this seems like a shady business practice to me.
Thanks for ur time!!!