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Insurance Points

Raleigh traffic ticket lawyerThe automobile liability insurance rates which are paid by licensed drivers in North Carolina are determined by five factors.

  • The basic North Carolina automobile insurance rates which are set out in the North Carolina Personal Automobile Manual. Also see the NC Rate Bureau
  • Insurance points which they have accumulated during the past three years for moving violations and accidents
  • Whether their insurance company has transferred their coverage to the reinsurance facility
  • What region of North Carolina they live in
  • Whether they have three years or less driving experience

North Carolina drivers will be assessed insurance points if convicted of a moving violation or if they have an at fault accident during a three year experience period. This three-year period is determined to be the three-year period immediately preceding the date of application, or the date of preparation of renewal of your insurance policy. A conviction includes pleas of guilty, no contest, suspended sentences, forfeiture of bail and the payment of court costs and a fine. Each household may receive one Prayer for Judgment Continued (PJC) every three years without it counting as a conviction. Prayer for Judgment Continued upon the payment of costs, without more, does not constitute the entry of judgment. N.C.G.S. §15A-101 (4a). And this is where a raleigh traffic ticket lawyer will come in.

Table of Insurance Points


  • Manslaughter (or negligent homicide) resulting from the operation of a motor vehicle (Felony)
  • Prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race (Felony)
  • Failure to stop and render aid when involved in an accident resulting in bodily injury or death (hit-and-run driving) (Felony)
  • Impaired driving, including driving a vehicle while under the influence of an impairing substance; driving a vehicle with an alcohol concentration of 0.08% or more; and driving a commercial vehicle with an alcohol concentration of 0.04% or more (a revocation pursuant to G.S. §20-16.5 is not a conviction) (Misdemeanor)
  • Transportation of intoxicating liquors for the purpose of sale. (Misdemeanor)

10 Points

  • Highway racing (not prearranged) or knowingly lending a motor vehicle to be used in the race
  • Speeding to elude 8 Points
  • Operating a motor vehicle during a period of revocation or suspension of either the driver’s license or vehicle registration (Misdemeanor)

 4 Points

  • Failure to stop and report when involved in a motor vehicle accident resulting in property damage only (hit-and-run) (Misdemeanor)
  • Reckless driving (Misdemeanor)
  • Passing a stopped school bus
  • Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mp (Misdemeanor)
  • Speeding in excess of 80 mph when limit is 70 mph or greater
  • Driving by a person under 21 after consuming alcohol or drugs

3 Points

  • Each at-fault accident that results in bodily injury (in excess of $1800.00) or death or total property damage (including the insured’s property) of $3000.00 or more

2 Points

  • Illegal passing
  • Speeding more than 10 mph over the limit, if total speed was in excess of 55 mph but less than 76 mph
  • Speeding 10 miles or less in excess of limit in speed zone of 55 or greater*
  • Following too closely
  • Driving on the wrong side of the road
  • Each at-fault accident that results in total damage to all property which is in excess of $1,800.00 but less than $3000.00

 1 Point

  • Speeding 10 mph or less in excess of a speed limit of less than 55 mph*
  • Any other moving violation
  • Each at-fault accident that results in total damage of $1,800.00 or less*

*Points are not assigned for these violations unless the same driver has been convicted of at least one other moving violation during the experience period (the last three years). Contact a good raleigh traffic ticket lawyer for further assistance.

The number of insurance points a driver receives will determine the surcharge which will be added to their insurance costs. See the surcharge table below:

Insurance Surcharge Table

One 25% Seven 180%
Two 45% Eight 220%
Three 65% Nine 260%
Four 90% Ten 300%
Five 120% Eleven 350%
Six 150% Twelve 400%

For 1-point accidents ($1800.00 or less) there is no surcharge assessed if:

  • The operator was not convicted of a moving traffic violation in connection with the accident.
  • No licensed driver in the owner’s household has a conviction for a moving traffic violation or other at fault accident during the three-year period immediately proceeding the date of application or the date of preparation of renewal of the policy.
  • There was no personal injury.

What can a Raleigh Traffic Ticket Lawyer do for you?

I have handled thousands of driving while revoked charges in the last 20 years.   What I can do is analyze your driving record to see what can be done to reinstated your license.   I then can work with you to get your license privilege into a position where you are ready to take care of the  pending driving while license revoked charge.   This may involve pleading to old charges, changing old charges or getting old charges dismissed.  If you have been charged with a driving while license revoked please give me a call for a free no obligation consultation to discuss your case.

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