From the FAQ:
For a first traffic offense that is a Rules of the Road violation, or for a first violation of the restrictions on an Intermediate Driver's License, a warning letter will be sent to the driver's parent or guardian.
For a second such offense, the Department will suspend the Intermediate Driver's License for six months or until the driver reaches age eighteen, whichever occurs first. A notice of the suspension will be sent to the driver and a copy of the notice will be sent to the driver's parent or guardian.
For a third such offense, the Department will suspend the Intermediate Driver's License until the driver reaches age eighteen. A notice of the suspension will be sent to the driver and a copy of the notice will be sent to the driver's parent or guardian.
How will the police enforce the new Intermediate Driver License law? Will they just pull someone over that looks like they are 16 and that has people in the car?
Enforcement of the Intermediate Driver License law is handled as a "secondary action". This means that the officer first has to stop the driver for another traffic offense, and then the officer can cite the driver for violations of intermediate license restrictions. The best plan is for an intermediate licensed driver to always comply with the driving and passenger restrictions and not risk getting two tickets for what might be a single mistake.
as per: RCW 46.20.075, RCW 46.20.267
more info
here.
So far I've found no indication that a first offense is reported to insurance companies. However, second offense and on carries standard suspension increases when the driving privilidge is reinstated. However, if she was issued a moving violation then the ticket itself DOES count IF it is not overturned based on the enforcement policy. In other words, if the ticket was ONLY for Intermediate license violation there should be no increase, but if she received a speeding or other violation as well then it must be reported to insurance as such. This is a new law and there MAY be some legal challenge options available if she did not receive any ticket other than the Intermediate violation. Of course, it will cost about 20 times as much to fight it and win as to just pay the fine, but it's up to her.
Hope that helps, good luck.