"Serious offense" refers to a significant or major wrongdoing, typically a crime or misconduct that has severe consequences or is considered morally unacceptable. Full definition
However, if you have been involved in several auto accidents or have a more serious offense on record, then you will likely have to pay a bit more for a policy. (carinsurancequote.net)
Will this issue be treated as a very serious offense even after paying the premium for 3 years.? (relakhs.com)
Note that if you commit multiple SD traffic violations in a single traffic incident, the department will only assess the points of the most serious offense. (dmv.com)