The State of North Carolina has established TWO separate points systems as it applies to traffic violations: Driver’s License Points and Insurance Points. These two points systems are used by the DMV and your Insurance Agency. Each individual point system has an assigned number of points for each North Carolina Traffic Violation. To make matters worse, each system uses a different number of points for the same violations; therefore what may be a bad violation for one point system, may not be so bad for another.
The Driver’s License Point system is used to determine at what point the DMV will suspend your license. If you amass 12 or more points in a three-year period, the DMV can suspend your license for up to 60 days. Additionally, there are certain driving violations that can result in a suspension, regardless of your record.
An example of this is speeding more than 75 miles-per-hour in a speed zone of less then 70 miles-per-hour (i.e. 76 in a 65). If caught during the period of suspension, the Driver will be charged with Driving While License Revoked, which carries with it a suspension of driving for a minimum of 1-year.
The insurance points system, developed under the North Carolina Safe Driver Incentive Plan (SDIP) is designed to assign a percentage by which your vehicle insurance carrier can raise your insurance rates for convictions of North Carolina Traffic Citations. The increase stays in place for three years. An example would be driving 56 miles-per-hour in a 45 miles-per-hour zone resulting in an increase of your insurance rate by 45% for the next three years.
Navigating these point systems can be difficult, allow Durham Traffic Attorney and Fuquay Varina Traffic Attorney M. Moseley Matheson to assist you through this process. Call him today at 919-335-5291 for your FREE CONSULTATION.