Areas of Practice
North Carolina Insurance Points
In North Carolina, insurance rates are determined, in part, by the number of insurance points received during a rolling three (3) year period, called the "experience period." The North Carolina Department of Insurance (NCDOI) regulates the number of points that are assigned for various violations as well as the increasing insurance costs that will be caused by the accumulation of insurance points.
The following shows the increased rates over the base rate dependant on the number of insurance points received:
|
Insurance Point(s)
|
Percentage Increase in Rates
|
|
1
|
25%
|
|
2
|
45%
|
|
3
|
60%
|
|
4
|
80%
|
|
5
|
105%
|
|
6
|
130%
|
|
7
|
160%
|
|
8
|
190%
|
|
9
|
225%
|
|
10
|
260%
|
|
11
|
300%
|
|
12
|
340%
|
Do Not Mail in Your Traffic Ticket Payment without fully understanding the consequences. Contact Everett Law Firm, P.A. today.
The rate increase for insurance points is effective for a three (3) year period. An example of some of the offenses and the insurance points received are as follows:
| Offense |
Insurance Point(s)
|
| Driving While Impaired (DWI / DUI) |
12
|
| Prearranged Highway Racing |
12
|
| Speeding to Elude Arrest |
10
|
| Driving While License Revoked (DWLR) |
8
|
| Aggressive Driving |
8
|
| Careless and Reckless Driving |
4
|
| Hit and Run (Property Damage Only) |
4
|
| Passing a Stopped School Bus |
4
|
| Speeding > 75 mph when speed limit is < 70 mph |
4
|
| Speeding >80 mph when the speed limits is >= 70 mph |
4
|
| Driving after consuming alcohol by persons < 21 years old |
4
|
| Illegal Passing |
2
|
| Following Too Closely |
2
|
| Speeding > 10 mph in a zone > 55 mph and < 76 mph |
2
|
| Speeding <= 10 mph and in a zone >= 55 mph |
2
|
| Other Moving Violations |
1
|
There are other moving violations that are not covered in the above chart. For a complete listing of the enumerated insurance points received for various violations see the go to Insurance Point Enumerated Points page on the Everett Law Firm, P.A. main webpage.
In some circumstances, a Prayer for Judgment Continued may be used to eliminate the insurance points received as part of a traffic violation or accident.
To discuss your case and determine what the best course of action is based on your individual circumstance contact an experienced lawyer at Everett Law Firm, P.A at (919) 942-8002 or toll free at 1-800-942-8048. The initial consultation is free. We are located conveniently in Chapel Hill, North Carolina.
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