WHAT CAN A TICKET DO TO YOUR NC INSURANCE?
The Safe Drivers Incentive Program, is legislation
enacted by the North Carolina General Assembly that rewards safe drivers with
the lower insurance costs, but that lets insurance companies penalize
drivers who are convicted of moving traffic violations or who have caused
accidents with higher insurance premiums based on a points system. These
points are assessed for convictions and at-fault accidents occuring
during the the three years immediately before the
date of application for the insurance issuance or renewal. The points for each
moving violation are listed below, followed by a chart showing the
financial impact a conviction will have on a person's
4 Points:
Reckless driving
Hit-and-Run, with property damage only
Passing a stopped school bus displaying its stop sign and signals
Speeding in excess of 75 mph
Speeding in excess of 80 mph in a 70 mph zone
Driving after consuming alcohol if the driver is under 21 years of age.
2 Points:
Illegal passing
Speeding in excess of 55 mph but less than 76 mph
Driving on wrong side of road
At-Fault accident resulting in property damage in excess of $1,500, but less
than $2,500.
1 Point: All other moving
violations.
EXCEPTIONS: No points will be charged for: Speeding 10 mph or less over the
posted speed limit provided that (1) the violation did
not occur in a school zone; and (2) there is a clean driving record for the
previous three years. If a person gets
a second moving violation within the three year period, then the points for
BOTH tickets are assessed!!].
Each household can use one prayer for judgment continued (pjc) every three years as long as no one else in the
household has used a PJC during that time.
THE REAL COSTS OF A TRAFFIC TICKET
CONVICTION!!!!!
If your basic
insurance for each 6 months was $300 before a traffic ticket, the following
chart shows how much your insurance will be after the increase for a
conviction.
Insurance Points remain for 3years.
|
SDIP Points |
Percentage Rate Increase |
New Cost if Basic Rate was
$300 before the citation |
|
1 |
25% |
$375 |
|
2 |
45% |
$435 |
|
3 |
65% |
$495 |
|
4 |
90% |
$570 |
|
5 |
120% |
$660 |
|
6 |
150% |
$750 |
|
7 |
180% |
$840 |
|
8 |
220% |
$960 |
|
9 |
260% |
$1080 |
|
10 |
300% |
$1200 |
|
11 |
350% |
$1350 |
|
12 |
400% |
$1500 |