Final answer:
A Habitual Traffic Violator (HTV) is a driver who frequently commits serious traffic offenses over a certain period, resulting in severe consequences like license suspension and increased insurance rates.
Step-by-step explanation:
A Habitual Traffic Violator (HTV) is a driver who has been convicted multiple times of serious traffic offenses over a set period of time, typically five years. The specific criteria for HTV designation can vary by jurisdiction, but it generally includes accumulating a certain number of points on one's driving record, or committing specific offenses such as DUI/DWI, reckless driving, or vehicular manslaughter. Being labeled an HTV can lead to severe consequences such as the revocation or suspension of driving privileges, increased insurance rates, and potential jail time.
For example, in some areas, a driver could be considered an HTV if they have received two judgments related to operating a vehicle while intoxicated within a ten-year period, or if they accumulate more than a set number of points on their driving record. Laws pertaining to HTVs are designed to deter unsafe driving and protect public safety.