Greenville, North Carolina Traffic Attorney
Insurance Points vs. Driver’s License Points
In North Carolina, there are two types of points that you may receive due to a traffic violation. These points are applied to your car insurance or to your driver’s license. There are numerous differences between the two points systems, and both will have different lasting effects on drivers who are found guilty of traffic violations. This is why we cannot stress enough the importance of avoiding even a minor traffic ticket if you can, by consulting an experienced traffic attorney in your area.
Points applied to your insurance will result in increased charges of anywhere from 25%-400% of your policy premium. Points applied to your driver’s license will result in the suspension of your license. Both points systems allow points to accumulate for a period of three years, after which time they are released from your record. Additionally, driver’s license points are released from your record after your license is suspended and then reinstated. You start with a clean record after your license is reinstated.
Classification of Traffic Violations
Traffic violations, depending upon the severity, are given different point values in either the insurance point system or the driver’s license point system.
- Running through a red light or stop sign – this moving violation assigns 3 points to your driver’s license and 1 point to your insurance (a 25% increase in your insurance premium).
- Reckless driving – this traffic violation results in 4 points on both your driver’s license and your insurance (a 90% increase in your insurance premium) and also includes a jail sentence of up to 60 days and a fine of up to $1,000.
- Speeding – this will depend upon how fast you were going and what the posted speed limit was. Insurance points will range from 1 to 4 points (a 25%-90% increase in insurance premiums) and driver’s license points will range from 3 to 4 points.
- DWI (driving while intoxicated) – this offense will result in 12 points on your insurance (a 400% increase in your insurance premium) and additional penalties including jail time, license suspension, fines and more.
Contact Greenville, North Carolina traffic lawyer Timothy E. Burch today!