How Many 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.
Driver’s License 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 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 continued, nine 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.