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Driver’s License Points

If a driver is convicted of certain motor vehicle violations in North Carolina, driver’s license points are placed on his driving record. If a driver accumulates 12 points within a three-year period, his license may be suspended. (Accumulating eight points within the three-year period following reinstatement of one’s license can also result in suspension.)

If the driver’s license is suspended for points, it may be taken for:

  • 60 days for the first suspension
  • 6 months for the second suspension
  • 12 months for the third suspension

When the driving privilege is reinstated, all previous driver’s license points are canceled.

Driver’s license points are given for the following offenses:

If the driver is convicted of more than one violation arising from the same accident, he or she will receive points for each violation.

NOTE: If you are driving a commercial vehicle, different license points are assessed.

Insurance Points Checklist:

Point Value Conviction
 12 points  Manslaughter or negligent homicide
 12 points  Pre-arranged highway racing or lending a car for such purpose
 12 points  Driving with a BAC of .08% or more
 12 points  Driving a commercial vehicle with a BAC of .04% or more
 12 points  Hit-and-run driving involving bodily injury or death
 12 points  Transporting illegal intoxicating liquor
 10 points  Highway racing or knowingly lending a motor vehicle for highway racing
 10 points  Speeding to elude arrest (at any speed)
 8 points  Aggressive driving
 8 points  Driving during a period of revocation or suspension of license or registration
 4 points  Hit-and-run driving involving property damage only
 4 points  Reckless driving
 4 points  Passing a stopped school bus while it displayed warning signs
 4 points  Speeding in excess of 75 mph where posted speed is less than 70 mph
 4 points  Speeding in excess of 80 mph where posted speed is 70 mph or greater
 4 points  Driving after consuming alcohol or drugs where the driver is less than 21 years of age
 3 points  At-fault accidents resulting in death or total bodily injury (to all persons) of more than $1,800, or resulting in total property damage (including damage to the insured’s own property) of $3,085 or more. Accidents that occur on or after October 1, 2017, resulting in total damage to all property (including damage to the insured’s own property) of $3,850 or more. (No insurance points will apply for bodily injury if the medical costs were incurred solely for diagnostic purposes.)
 2 points  Illegal passing
 2 points  Following too closely
 2 points  Driving on the wrong side of the road
 2 points  Speeding more than 10 mph over the posted speed limit, where the driver’s speed was in excess of 55 mph but less than 76 mph
 2 points

 Speeding 10 mph or less in a posted speed zone of 55 mph or greater *

* These points will not apply if the driver has had no other moving traffic violations during the experience period (preceding three years). If the driver enjoys this waiver and then is convicted on another moving violation within three years, he gets the points both from the new conviction and the waived conviction. This waiver will not apply to speeding in a school zone. An isolated Prayer for Judgment Continued (PJC) does not count as a prior conviction for the purpose of this exception.

 2 points

 Speeding 10 mph or less where the posted speed is less than 55 mph **

** These points will not apply if the violation did not occur in a school zone and the driver has had no other moving traffic violations during the experience period (preceding three years). If the driver enjoys this waiver and then is convicted on another moving violation within three years, the driver then gets the points both from the new conviction and the waived conviction. A PJC does not count as a prior conviction for the purpose of this exception.

 1 point  Speeding 10 mph or less over a speed limit under 55 mph
 1 point  At-fault accidents resulting in bodily injury (to all persons) of $1,800 or less, or resulting in property damage (including damage to the insured’s own property) of $1,850 or less. Accidents that occur on or after October 1, 2017, resulting in total property damage (including damage to the insured’s own property) of $2,300 or less. (No insurance points will apply for bodily injury if medical costs were incurred solely for diagnostic purposes.)
 1 point  Any other conviction of a moving violation

 

A PJC will not cause any insurance points to apply if there have been no previous PJCs for the insured household in the previous three years. The household would include any licensed driver residing in the home at the time of the accident. A PJC can be had every three years. A second PJC within three years will cause the first conviction’s points to go into effect, along with the points from the new PJC. This is only as to insurance points.

Points For Accidents:

Point Value Type Of Accident
  Major Accident
 3 points An at-fault accident resulting in total property damage (including damage to insured’s own property) of $3,085 or more. Accidents that occur on or after October 1, 2017, that result in total damage to all property, (including damage to the insured’s own property), of $3,850 or more. (No insurance points will apply for bodily injury if the medical costs were incurred solely for diagnostic purposes.)
 3 points  At-fault accident causes in excess of $1800 in bodily injury
   Intermediate Accident
 2 points  Accidents that occur on or after October 1, 2017, resulting in total property damage (including damage to the insured’s own property) over $2,300 but less than $3,850
 2 points  At-fault accidents that occur on or after March 1, 2016, and prior to October 1, 2017, resulting in total property damage (including damage to the insured’s own property) over $1,850 but under $3,085
   Minor Accident
 1 point  At-fault accidents resulting in bodily injury (to all persons) of $1,800 or less, or resulting in property damage (including damage to the insured’s own property) of $1,850 or less
 1 point  Accidents that occur on or after October 1, 2017, resulting in total property damage (including damage to the insured’s own property) of $2,300 or less

 

There is a waiver of points for “minor” accidents where there is only property damage, no conviction of a moving traffic offense, and no licensed operators in the insured household has had any at-fault accidents in the previous three years. The waiver will not operate if there is any bodily injury.

Safe Driver Insurance Plan (SDIP):

The safe driver insurance plan represents an attempt to reflect in automobile insurance rating the idea that drivers who have violated motor vehicle laws or who have caused accidents are more likely to be involved in automobile accidents in the future.

Upon conviction of certain traffic offenses, insurance points are assigned to drivers and based upon the number of points, the total premium for all insurance coverage (except UM/UIM) is surcharged.

Surcharge Based On The Number Of Points:

SDIP Points Percentage Surcharge
1 point 30%
2 points 45%
3 points 60%
4 points 80%
8 points 195%
10 points 300%
12 points 340%

The content presented herein is for informational purposes only and is not legal advice.