True, in Colorado points are gone after 18 months I believe.
But what I was wondering about, was what you are required to tell the insurance company when they ask for five years of data and the state says they can only see three. Is it OK in that case to only give them info for the past three years, or would one get in trouble for that?
On the other hand, I imagine the insurance companies store data on you for your entire driving history and share it with each other, so perhaps it's all moot.