Auto Insurance Rates – Help me win argument with Wife

My wife is a former personal lines agent assistant and I am on the glorious carrier side for commercial so she does know more about personal auto.

However she said if a person has a license in one state when they move to a new state and before they change their license and registration they get a speeding ticket and in an accident that when they change this over the points wont follow since its a new state with the license. This sound 100% wrong but personal lines isn’t a strength of mine and I am not sure how to find the correct answer.

submitted by /u/Godsend67
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