Michael J Palumbo

Michael J Palumbo

4.8
Rating: 9.2

Licensed for 24 years

Speeding and traffic ticket Lawyer at Rye, NY
Practice Areas: Speeding & Traffic Ticket, Transportation

411 Theodore Fremd Av., Suite 206 South, Rye, NY

About Michael

Biography

Practice Areas

2

Practice Areas

Speeding and Traffic Ticket 80%

Our mission is to provide cost effective and convenient speeding ticket, traffic ticket, and auto crime defense services NY & VT motorists. We charge 1 low flat fee and in most cases give a money back guarantee.

25 years | 5,000 cases

80%
Transportation 20%

We represent commercial truckers in NY Transportation Law tickets such as Log Book Violations, and Equipment Violations specific just to CDL holders. We also defend tickets written alleging violation of the Federal Motor Carrier's Laws and Rules.

25 years | 550 cases

20%

Fees and Rates

Cost

Free Consultation

$0 first 10 minutes


Payment Methods

  • Cash
  • Check
  • Credit Card

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Licenses

Licensed in Vermont for 13 years

State: Vermont

Acquired: 2013

Active

No misconduct found

Licensed in New York for 24 years

State: New York

Acquired: 2002

Currently Registered

No misconduct found

Licensed in Connecticut for 24 years

State: Connecticut

Acquired: 2001

Permanent Retirement

No misconduct found

Location

914-777-2990

411 Theodore Fremd Av., Suite 206 South, Rye, NY, 10580

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Michael J Palumbo's Reviews

Avvo Review Score

4.8 /5.0

644 Client Reviews

Showing 101 - 105 of 156 reviews | Practice Area Knowledge

Posted by Denise Jensen | July 24, 2015 | Speeding & Traffic Ticket

Michael Palumbo Gets speeding Ticket Reduced to Parking Violation!

Michael Palumbo and firm was hired to represent me in three serious traffic violations that occurred in a three month span. On Monday he got my first 4 point speeding ticket reduced to a parking violation. I am under 21 and all my tickets would put 10 points on my license and I would have hefty fin...es, increase in insurance and other NYS penalties. Mr. Palumbo and as his staff follow-up without prompting, are extremely knowledgable, know all the town courts and are trustworthy. He is worth every penny!

Posted by Thomas | July 10, 2015 | Speeding & Traffic Ticket

REVIEW

I contacted Mr.Palumbo for advice on getting my license back after I was denied by the dmv for restoration. Every lawyer I spoke to said there was nothing I could do. When I spoke to Michael he said I should pay him $500 so he could "look at my records" and he has helped many people in my same seneci...o. After I payed him he called and asked me a buch of questions that he should have known the answers to since he "had my records" then said there is nothing he could do. Ppaying $500 to "review there record" and then giving no help. I should have listened to the other lawyers I spoke too. But he offered me hope.... False hope.

Michael Palumbo

Replied last July 10, 2015

We were hired us for what a lot of hire us for - reviewing the denial of relicensing after more than 2 lifetime DWI convictions. In other words, this client had at least 3 lifetime DWI convictions. NY is the toughest state to get your driving privileges restored after at least 2 DWI convictions. There is a confusing and complex matrix of rules that apply, and what if anything someone can do to obtain driving privileges turns on the specifics of their lifetime driving history, the content of the DMV denial letter, and their rational for denying relicensing. An overview of the new regulations can be found on my web site here: http://www.attackthatticket.com/relicensing_after_alcohol_conviction.html The simple fact of the matter is that before I can advise someone on what, if anything, they can do to restore NY privileges I must review their denial letter, review the regulations, and then intelligently interview them about particulars of their lifetime driving history. When this commenter alleges that I "should have know" certain things that is a lie because while the denial letter state convictions dates and points accrued, which are all relevant as to the severity of the relicensing hold, they do not detail which of the 1,400 courts of the State of New York they were convicted. I need to know this because sometimes the difference between a lifetime revocation and immediate restoration is going back to a court of conviction years earlier and commencing a special proceeding to vacate that conviction. Sometimes just removing one of several minor convictions is all it takes. Our office practices traffic ticket defense throughout NY, and as such we are familiar with all courts. Some will just reject the appeal, so I want to know the names of each court so that I, through my vast years of knowledge and experience, can advise my client to choose the best court to make such a request. This initial review of records, regulations, and client interview is the necessary first step required to advise the client not with guesses but with accuracy and certitude. The commenter is correct in that other lawyers simply say that there is nothing that can be done, but there is ALWAYS SOMETHING that can be done. I know because I do this for clients all the time. The question really is whether it is practical and cost effective to do, and of course clients always what to know what the chances of success are. None of these questions can be answered without taking the first step of this initial review and consultation, which I did in this case. My office has been successful for numerous clients in restoring their driving privileges or taking them from a permanently ineligible status to a 5 year hold status in which their driving privileges would be restored after 5 years. We have done this in several ways. In some cases courts reported 2 DWI convictions to the DMV when it should have only been one and on that correction privileges were restored. In others we identified an error of driving history with the DMV and upon that correction the client was eligible. In other cases we vacated old moving violation convictions and the client was eligible. There are also cases of which the driving record is so terrible that there is virtually no chance of success, and in others while there is a viable option the investment required is more than the client can afford. Whatever the case, the client hires us to review and interpret fact, regulation, and law, apply the facts to the law, and explain it to him in plain English and give him legal advice on what can be done going forward to meet his goals. That is what this client purchased, and that is what this client received. In his case there is something that can be done, but he chooses not to undertake. This is because he has a horrific driving history, so he made a cost / benefit decision that the required investment was not worth the low odds of success.

Posted by Fred | June 12, 2015 | Speeding & Traffic Ticket

Queens speeding ticket dismissed

I received a speeding ticket in Queens on 6/9/13 on the LIE near Springfield Blvd. I was clocked at 71 in a 50 which meant 6 points on my license if I pled or was found guilty in TVB court. I am a CDL driver. 6 points on your license is virtually a death kneel in the commercial driving industry, no...t to mention I would be on the drivers assement program for the next 3 years with the DMV which meant additional significant fees for 3 years in addition to the charge of the ticket itself . When I hired Mr.Palumbo he was very upfront and honest and explained to me how there was no plea bargaining with tickets issued in NYC, in other words you either are found guilty or not guilty. He did tell me there was a chance he can possibly get it reduced to 20 mph over the limit instead of 21 mph over the limit, which would only be 4 points and I would have avoided the drivers assessment program, but even getting it down to the 20 mph over the limit was not guaranteed. My case was heard at TVB court 5/20/15, which because he represented me meant I did not have to take off work to attend. Results? i received an email the next day from his office stating I was found not guilty and the ticket was dismissed, in other words I won. Ahhhhhhhhhh what a wonderful feeling reading that email.I was just hoping he was able to get it down to 20mph over the limit and 4 points but instead won the ticket completely. Mr. Palumbo was honest and made no promises, yet performed wonderfully. The best trait people and companies can have is under promising and over performing and that is exactly what Mr.Palumbo did. I will very very very proudly recommend Mr.Palumbo to anyone in need of a traffic lawyer. Thanks again Mr.Palumbo, you have a client for life!

Posted by anonymous | June 09, 2015 | Speeding & Traffic Ticket

Orange County Ticket

I received a ticket in in a small town in Orange County NY. The town has a reputation has a speed trap, but my ticket was for a lane change without proper signaling. Not wanting the points on my record and not having the time to go to court, I arranged for representation from Michael Palumbo's fir...m. They are very experienced with all of the Courts and resolved my ticket from a 3-point violation to a 0-point violation, reducing the fine and eliminating the points. They kept me informed all all the way. While I am not looking forward to needing their services in the future, it is good to know they are there.

Posted by Richard | June 04, 2015 | Speeding & Traffic Ticket

Professional and Knowledgeable Service

Mr. Palumbo office shows professional and knowledgeable service in my case which resolved my ticket in Suffolk TPVA with a plea from the charge of a 6 point speeding violation to the charge of a 0 point parking ticket.

See All Client Reviews

Michael J Palumbo's Lawyer Endorsements

Endorse Michael
Thomas Bruno Mafrici headshot
Thomas Mafrici

Speeding and traffic ticket lawyer | Apr 24

Relationship: Worked together on matter

"Mike often covers cases for me in the Westchester/Greater NYC area. I can count on Mike to make the right decisions while he is acting on my behalf. I strongly endorse this attorney."

Lawrence A. Newman headshot
Lawrence Newman

Speeding and traffic ticket lawyer | Jun 30

Relationship: Fellow lawyer in community

"I would not hesitate in hiring Michael. He is a straight shooter, a diligent advocate, and most importantly gets results. Michael cuts to the point, and does not waste time. He is part of a trusted network of fellow attorneys who choose to focus their practices on criminal defense and traffic matters. With his background and training he understands the system, and the game. He shares freely of his time and knowledge answering legal questions. His reputation and his word are solid!"

Patricia K. Scanlon headshot
Patricia Scanlon

Speeding and traffic ticket lawyer | Sep 16

Relationship: Worked together on matter

"I endorse this lawyer. Michael is diligent, aggressive and kind--a very rare combination and much appreciated in a trusted colleague."

Dorit Lieba Goikhman headshot
Dorit Goikhman

Speeding and traffic ticket lawyer | Nov 12

Relationship: Fellow lawyer in community

"Michael is a personal friend and fellow lawyer in the community. Michael is intelligent, thoughtful, and extremely knowledgable in his practice area. I refer anyone who asks me about a ticket to his office, and I would not hesitate to endorse him."

Colette Katz headshot
Colette Katz

Speeding and traffic ticket lawyer | Feb 06

Relationship: Fellow lawyer in community

"I endorse this lawyer. Mike is a diligent attorney for whom understanding means acting, or volunteering his time and expertise. He's a lawyer whose judgment I trust."

R. Christopher Simons headshot
R. Christopher Simons

Speeding and traffic ticket lawyer | Aug 01

Relationship: Other

"He knows his traffic law and is demonstrated by his answers. I endorse him for Mamaroneck, NY"

Rahul Aggarwal headshot
Rahul Aggarwal

Unknown lawyer | Mar 06

Relationship: Fellow lawyer in community

"An excellent lawyer who treats clients with patience, care, understanding, and utmost professionalism - an even better person and I wholeheartedly recommend for future services."

Lorenzo Napolitano headshot
Lorenzo Napolitano

Speeding and traffic ticket lawyer | Mar 05

Relationship: Worked together on matter

"I endorse this lawyer. Outstanding, dedicated traffic attorney. If you have a traffic ticket anywhere in the areas this firm handles, hire Mike! He will take care of the ticket from start to finish. I am an attorney that has handled thousands of traffic ticket and I refer clients to Mike outside of my geographic area all the time. I refer clients to Mike without hesitation as I know he will do his absolute best for the client. I don't think any attorney in New York State has handled more tickets than Mike has. He is passionate and knowledgeable in his field. I would highly recommend his services."

Robert Schuster headshot
Robert Schuster

Speeding and traffic ticket lawyer | Mar 02

Relationship: Fellow lawyer in community

"Michael Palumbo is at the very top of the field of traffic ticket, auto crime defense, and transportation law. He has mastered of every aspect of obtaining the best possible results for his clients. His achievements in the restoration of revoked licenses are beyond what I have seen any other attorney obtain - and that is just one small aspect of his practice. Michael retains a deep and abiding interest in the evolution of the law and he is always working to improve his mastery of same. He has a quick and keen mind that he brings to bear in a variety of settings, including advising fellow attorneys and in his prolific writings. On top of all of this, he has a unique boldness which makes him a fierce adversary, setting him apart from his peers. A credit to the profession, he is the first choice in traffic, licensing, and transportation defense."

Mark Lynwood Rowe headshot
Mark Rowe

Speeding and traffic ticket lawyer | Apr 13

Relationship: Fellow lawyer in community

"He is well-known and well-respected by fellow attorneys across the country, and his clients sing his highest praises. Michael Palumbo aggressively pursues every angle of a case on behalf of his clients. I would not hesitate to refer a client to him."

Jeannine Padula Goche headshot
Jeannine Goche

Speeding and traffic ticket lawyer | Apr 12

Relationship: Fellow lawyer in community

"I endorse this lawyer for his high quality work and expertise. I strongly recommend him."

Donna M Drumm headshot
Donna Drumm

Speeding and traffic ticket lawyer | Apr 11

Relationship: Fellow lawyer in community

"No one does Speeding & Traffic Tickets like Michael Palumbo. I refer all my friends and colleagues to Michael when they receive tickets particularly out of state. Michael exceeds expectations with the results he produces in reducing ticket fines, and points on licenses - he knows the law that well. Hire or refer Michael!"

Walter Rudolph Hnot, III headshot
Walter Hnot,

Speeding and traffic ticket lawyer | Mar 20

Relationship: Fellow lawyer in community

"Michael is an excellent attorney committed to providing the highest quality representation to clients. I endorse this attorney without reservation."

Matthew Frank Medaglia headshot
Matthew Medaglia

Unknown lawyer | Feb 22

Relationship: Fellow lawyer in community

"I endorse this lawyer. Attorney Palumbo is an expert in Traffic Law and a valuable contributor to the AVVO community."

Somair Syed Alam headshot
Somair Alam

Speeding and traffic ticket lawyer | Feb 11

Relationship: Fellow lawyer in community

"Top-notch attorney. Highly respected in the legal community."

Inna Rifman headshot
Inna Rifman

Speeding and traffic ticket lawyer | Dec 08

Relationship: Fellow lawyer in community

"It is my pleasure to endorse Attorney Palumbo. He works tirelessly to achieve the best results for his clients and has an outstanding reputation in the legal community."

Gregory D. Stone headshot
Gregory Stone

Speeding and traffic ticket lawyer | Oct 28

Relationship: Fellow lawyer in community

"He is one of the top attorneys in this field. His practice is one that attorneys should strive for."

Ava L. Zelenetsky headshot
Ava Zelenetsky

Speeding and traffic ticket lawyer | Oct 15

Relationship: Opposing Counsel on matter

"Mike Palumbo is one of the smartest, hardest working, and toughest lawyers out there. He has turned traffic ticket representation in to a high level of litigation practice. Other lawyers settle quickly, but Mike and his firm will do everything in their power to get the best results for their clients, including motion practice and full litigation of the matter. He accepts nothing less than excellence and believes the client shouldn't expect any less than that either. If you have been issued a speeding or traffic ticket, don't wait, and call him today. He's my first referral for such matters."

Amir Soleimanian headshot
Amir Soleimanian

Criminal defense lawyer | Oct 07

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Christine Lynn Landis headshot
Christine Landis

Unknown lawyer | Apr 11

Relationship: Fellow lawyer in community

"I endorse this lawyer."

View All Endorsements
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Experience

Rating:  9.2 (Superb)

Honors

2016

Client's Choice Award, Avvo

2015

Preeminent 5.0 out of 5, Martindale-Hubbell

2001

Cum Laude, Pace University School of Law

2000

Pace University School of Law Client Counseling Competition, American Bar Association

1985

Good Conduct Medal, United State Navy

1985

Sea Service Deployment Ribbon, United States Navy

1984

Humanitarian Services Award, United States Navy

1984

Meritorious Unit Citation, Secretary of the Navy

Work Experience

2006 - Present

Partner, Palumbo & Associates, PC

2002 - 2006

Senior Counsel, Various Staff Counsel

2000 - 2001

Law Clerk, Various Law Offices

1992 - 2000

Police Officer, Greenwich Police Department

1985 - 1992

Security Manager, Macy's, Inc.

1981 - 1985

Gas Turbine Systems Electrician 2nd Class Petty Officer, United States Navy

Associations

2013 - Present

Vermont

Licensed to practice

2013 - Present

Vermont Bar Association

Member

2006 - Present

American Legion

Member

2002 - Present

New York State Bar Association

Member

2002 - Present

Westchester County Bar Association

Member

2002 - Present

United States District Court for the Southern District of New York

Admitted to Practice

2002 - Present

United States District Court for the Eastern District of New York

Admitted to Practice

2001 - Present

Connecticut

Licensed to practice

1995 - Present

Columbian Police Association

Member

2007 - 2012

Eastchester Boy Scouts Troop 353

Committee Member

Sample of Legal Cases

5 point cell phone ticket

Dismissed from trial, Queens NY.

Red Light Ticket, Brooklyn NY - Dismissed at trial!

Client to now make civilian complaint against the police officer.

Hamburg, NY - Erie County. 4 point tail gaiting w/ accident reduced to a 0 point parking ticket

No points, or insurance increase!

Beacon City Court 5 point cell phone ticket dismissed on our oral application

No fines, points, or conviction!

Harrison Town Court Westchester County, NY - 5 point cell phone reduced to a 0 point parking ticket!

No points or insurance increases!

Harrison, NY Westchester County NY - Motion to vacate conviction

Savings of thousands of dollars in avoidance of insurance increases!

Harrison Town Court Westchester County, NY - 5 point cell phone reduced to a 0 point parking ticket!

No points or insurance increases!

Harrison Town Court Westchester County, NY - 6 point speeding reduced to a 0 point parking ticket

No points or insurance increases!

South Nyack Village Court - Rockland County

Operating without insurance and speeding reduced to a 0 point parking ticket. Avoided license revocation and points!

Harrison Town Court - previously entered plea of "guilty" to excessive speeding vacated upon our Coram Nobis motion

Plead down to lower charge which caused partial fine refund and prevented an insurance increase!

Greenburgh Town Court - case dismissed upon our oral application

No points, fines, or insurance increase!

Suffolk County TVB Court 6 point speeding reduced to a 0 point parking ticket.

No points / No insurance increase!

Manhattan, NYC Uninsured Motorist Charge Dismissed!

Avoided over $900 in fines and a 1 year license revocation!

Rye City Court, Westchester, NY 6 point speeding reduced to a 2 point fail to obey a traffic control device

No insurance increase!

Manhattan Cell Phone ticket - dismissed after trial

No points / No insurance increase!

Kings County / brooklyn, NY 6 point speed dismissed after trial

No points, insurance increase, or fine!

Ramapo Court, Rockland County, NY 4 point speeding case reduced to 0 point parking ticket

No points or insurance increase!

Mount Pleasant, NY 5 cases handled

All cases reduced to 0 or minimum point violations. Clients did not have to come to court. Insurance increases avoided!

Yonkers City Court - 6 point speed and 3 point lane change

Negotiated for two 0 point non-moving violations and under $500 in fines. No insurance increase and client's court appearance was waived!

Red light ticket dismissed after trial in Manhattan, NYC

No points, fines, or insurance increase!

Patterson Town Court, Putnam County NY 4 point speeding reduced to 0 point parking ticket

No points, fines, or insurance increase!

Queens County, NYC - 4 point speeding dismissed after trial

No fine or insurance increase!

Woodbury NY Court - Orange County 6 point speed reduced to a 2 point obstruction of an intersection

Avoided high fine and surcharge as well as insurance increase!

New Paltz Village - Ulster County, NY - 4 point speed reduced to 0 point parking ticket w/ $125.00 fine

No points or insurance increase!

5 point Manhattan Cell Phone ticket - dismissed after trial

No points / No insurance increase!

Manhattan Fail to obey a traffic control device - dismissed after trial

No points or insurance increase!

White Plains City Court - Westchester County NY 3 point unsafe lane change dismissed upon oral application!

No points, fines, or insurance increase!

Port Chester, NY. Unsafe start (2 pt), Right on Red (3 Pt), Imprudent Speed (3 pt) and Fail to change address (0 pt).

Negotiated a plea for one count of VTL 1201 (parking ticket) in full satisfaction.

White Plains, NY City Court 5 point cell phone charge

Reduced on negotiation to a non-moving 0 point ticket - no insurance implications!

Suffolk County, NY Traffic Violations Bureau - 6 point speeding in a school zone reduced to 0 point parking ticket

No points, no insurance increase, no double fine on a school zone speeding!

NYC Traffic Violations Bureau Manhattan - Unlicensed, Red Light & Unregistered dismissed after trial

No negative repercussions!

Wappingers Falls NY Court / Dutchess County 4 point speed reduced to a 0 point parking ticket

No points or insurance increase!

Schoharie Town Court / Schoharie County, NY 3 point fail to yield for an emergency vehicle reduced to a 0 point parking ticket

No points or insurance increase!

Brooklyn, NY DMV Court 6 point speeding ticket dismissed after trial!

No record whatsoever of having been pulled over and issued a ticket!

Chestnut Ridge, NY Rockland County 6 point speed reduced to a 0 point parking ticket

Small fine - no insurance increase - no points!

Rutland County, Vermont 3 point speed reduced to 0 point equipment violation

Small fine & no insurance increase!

4 point speeding, Tuckahoe Village, Westchester County, reduced to a 0 point parking ticket

No points or insurance increases

Wappingers Falls, NY Dutchess County - 3 point failure to "move over" reduced to a 0 point parking ticket

Assigned risk driver - avoided license suspension & insurance increase!

6 point speeding ticket in Staten Island, NY dismissed after trial

No fine, points, or insurance increase!

Kent, NY in Putnam County - 4 point speeding reduced to a 0 point parking ticket

No suspension and no insurance increase!

NYC speeding ticket, Queens County - speeding ticket dismissed!

After full trial, allegations of speeding against our client were dismissed - on points, suspensions, or insurance increases!

Austerlitz Justice Court, Columbia County, NY - 4 points plead down to 0 point parking ticket

No suspension and no insurance increase!

Patterson, NY Putnam County 4 point speeding negotiated to a Town Ordnance parking ticket

Avoided any DMV record whatsoever of a motor vehicle stop!

Town of Eastchester and City of New Rochelle, Westchester County, NY. Client charged with 8 points total

Client previously had a clean license and received 2 tickets in 2 courts totaling 8 points within days of each other. Resolved both with a plea down to 3 points in total. No insurance increase or DMV assessment.

Rye City Court, Westchester County, NY

5 point cell phone violation reduced to 0 point parking ticket - no insurance increase!

6 points reduced to 2 points in Greenville, NY (Orange County)

Avoided expensive driver safety assessment and insurance increase!

Speeding ticket trial Addison County, Vermont

Defense verdict, case dismissed!

Trespassing charge Clarkstown, NY (Rockland County)

Motion to dismiss made. Motion granted / case dismissed!

2 tickets plead down to 1 in East Fishkill, Dutchess County

4 point speeding and unregistered motor vehicle plead down to a 2 point failure to obey a traffic control device. Avoided excessive fines and insurance increase

Avoided an insurance increase and over $1,000 in fines and surcharges!

6 point speeding in school zone reduced to 0 point parking ticket in South Nyack Village Court, Rockland County

6 point speed reduced to 2 point non-speeding, New Rochelle City Court

Avoided DMV assessment of $300 and insurance increase.

Carrollton Town Court Cattaraugus County, NY. 4 Pt. speed reduced to 0 point parking ticket

No Points & No Insurance Increase!

6 point speed reduced to a 2 point fail to obey a traffic control device, Stanford Town Court, NY

6 point speed reduced to a 0 point parking ticket, Tuxedo, NY

4 point speeding ticket dismissed after trial, Staten Island, NY

Plea of guilty by client reversed / license suspension prevented, Sidney Town Court, Delaware County, NY

Brought a motion to vacate and dismiss which was granted by the court. License suspension averted.

Rosendale Town Court

Case dismissed in total upon my written motion to dismiss

Appealed denial of re-licensing and remediated client's record with DMV

Appeal granted. License reinstated. DMV lifetime history corrected

Hit the "trifecta" in New Rochelle City Court

1 ticket dismissed on motion; 2 negotiated to 0 point parking tickets

DWI case dismissed, Bronx, NY

DWI charge dismissed

Younkers City Court client charged w 17 points

Negotiated a plea to a 2 point violation, a parking ticket, small fine, and a driver safety class

Reckless driving

reckless driving reduced to parking ticket

People v. Anonymous

Charged on 1 stop 7 tickets in 4 towns

People v. Anonymous

Case dismissed after probable cause hearing

Personal Injury case

Ruptured fetal sac in auto accident

See More Legal Cases

Education

2002

National Institute for Trial Advocacy

2001

Pace University School of Law

JD - Juris Doctor

1991

Mercy College

BA - Bachelor of Arts

1981

Eastchester High School

General

Speaking Engagements

2014

Attorney advertising and social media

AVVO and social media

Publications

2014

Westchester County Bar Association Newsletter Drop That Phone! New Regulations for Cell Phone Violations

2014

Westchester County Bar Newsletter Elements of the Move Over law for Emergency Vehicles

2014

Westchester County Bar Association Newsletter Cross Examination of a Police Officer's Visual Estimation

2014

Westchester County Bar Newsletter The National Data Registry (NDR)

Languages

English

Activity

Avvo Rating

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10.0 - 9.0 Superb8.9 - 8.0 Excellent7.9 - 7.0 Very Good6.9 - 6.0 Good5.9 - 5.0 Average4.9 - 4.0 Concern3.9 - 3.0 Caution2.9 - 2.0 Strong Caution1.9 - 1.0 Extreme Caution