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Points

Driver’s License Points

People often ask, “How many points will I get for this?”

First, you need to know that there are two point systems:  Driver’s License Points and Insurance Points.  License points result from moving violations (such as running a stop sign, speeding, etc.)  Many people are worried about getting driver’s license points. However, because most minor tickets only carry two or three license points, and you have to get twelve license points to have your license suspended, most people don’t need to be so concerned about them.  (On the other hand, if you have a knack for getting tickets, you might want to remember that 12 driver’s license points will get your license suspended!)

Insurance Points

Insurance points are another matter.  Just one insurance point will cause your rates to increase 30% for three years  (So much for the money you saved by changing insurance companies).  Four points, which would result from a conviction of driving 76 mph in a 65 mph zone, would result in a 80% increase for three years.  The charging of higher rates for people with traffic convictions is part of North Carolina’s Safe Driver Incentive Plan.  Here is a chart that lists how many insurance points apply to each type of conviction and the resulting insurance rate increase (go to page two of the link).

Depending on your prior record, and what you’re charged with, there are several ways that to keep your insurance rates from increasing as much, or at all. I have explained some of those methods, such as prayer for judgment continuednine over, and improper equipment, in other posts.  There are other options as well.

Concerned that a ticket is going to cause your insurance rates to skyrocket?  Call me now at 919-683-2175  for a free consultation. 

About ken

I've been practicing law in Durham, NC for 30 years now. I focus on traffic cases, personal injury and workers compensation. I graduated from Wake Forest University in 1980 with a BA in political science. I went to Mercer University for law school, graduating in 1983. I began practicing in Durham the next year, and I have been here ever since.

Initially, I did just about any kind of case that came in the door. However, it's hard to get good at any area if you're trying to do them all. So, I settled on personal injury, workers compensation and traffic cases.

I am married and have two sons (ages 20 and 16). My wife is a physical therapist. My older son is a college sophomore and my younger is a high school sophomore. We also have three pets -- a Havanese dog named Blitzen, a tabby calico cat named Donner, and a black cat named Olive. (I'll let you figure out those names. . . )

I hope to hear from you!

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