Correct answer
The author of the act constituting the offence.
On the person who commits the act, under Article 82 of the Traffic Law, subject to its exceptions. For example, the driver is responsible if a passenger required to wear a helmet fails to do so; the keeper also has specific responsibilities. Responsibility does not always fall on the owner or insurance policyholder. Consequences depend on the offence: not all involve penalty points.
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The policyholder.
Always the vehicle keeper.
The author of the act constituting the offence.
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