The stakes are high for North Carolina drivers who are convicted of a traffic violation. The state uses two point systems to keep track of each motorist’s driving history. Therefore, if you’re found guilty of disobeying traffic laws or causing an accident, both the Department of Motor Vehicles (DMV) and Safe Driver Incentive Plan (SDIP) can assign points to your record. The consequences of accumulating numerous points can have a long-lasting effect on your driving privileges and finances. Below is an overview of how the DMV and insurance point systems work.

Understanding NC's Point Systems 

DMV Points 

Points assessed by the North Carolina DMV help determine if you get to keep your driver’s license. If you acquire 12 or more points within three years, you’re subject to a license suspension. The first suspension will last no more than 60 days, while subsequent suspensions can last from six months to a year. The number of points you receive will depend on the type of violation. For example, speeding over a 55 mph limit is worth three points, reckless driving will garner four points, and passing a stopped school bus will amass five points. Some convictions will result in automatic license revocation, including DWI, highway racing, vehicular manslaughter, and driving with a suspended license. 

Insurance Points 

SDIP points are used by the North Carolina Department of Insurance to decide how much you can be charged for auto coverage. The Safe Driver Incentive Plan was established as a way to motivate motorists to drive safely. Those who collect insurance points will pay anywhere from 25% to 340% more for coverage than someone who has a record free of violations. With each conviction, you can expect your policy premium to increase. Just like DMV points, the number of points you receive will correlate with the charge. For instance, running a red light or stop sign is one point, driving on the wrong side of the road is two points, aggressive driving is eight points, speeding to elude arrest is 10 points, and DWI is 12 points.

Because there are harsh penalties for receiving points, getting a traffic citation in North Carolina is more than just an inconvenience. Fortunately, whether your driving record is clean or not, the professionals at High Rock Insurance Agency will help you find reliable and affordable auto insurance coverage. As an independent agency, they have access to numerous providers, which allows them to secure competitively priced policies for clients without having to compromise on quality. They proudly serve residents throughout Davidson County, NC, and across the state and are committed to making the coverage shopping process as easy as possible. Call (336) 236-9022 to arrange an appointment or visit their website to submit a quote form.