The Britt Law Firm, P.C.

Danny Earl Britt, Jr. (J.R.)

Attorney At Law

K. Robert Davis

Attorney At Law

101 North Court Sq
Suite 22
Lumberton, NC 28358
ph: (910) 671-4500
fax: (866) 780-8245
danny@thebrittlawfirm.net

Insurance consequences of traffic violations

North Carolina Insurance Points

In North Carolina, insurance rates are determined, in part, by the number of insurance points received during a rolling three (3) year period, called the "experience period." The North Carolina Department of Insurance (NCDOI) regulates the number of points that are assigned for various violations as well as the increasing insurance costs that will be caused by the accumulation of insurance points.

The following shows the increased rates over the base rate dependant on the number of insurance points received:

Insurance Point(s)	Percentage Increase in Rates
1	25%
2	45%
3	60%
4	80%
5	105%
6	130%
7	160%
8	190%
9	225%
10	260%
11	300%
12	340%

Do Not Mail in Your Traffic Ticket Payment without fully understanding the consequences.

The rate increase for insurance points is effective for a three (3) year period. An example of some of the offenses and the insurance points received are as follows:

Offense	Insurance Point(s)
Driving While Impaired (DWI / DUI)	12
Prearranged Highway Racing	12
Speeding to Elude Arrest	10
Driving While License Revoked (DWLR)	8
Aggressive Driving	8
Careless and Reckless Driving	4
Hit and Run (Property Damage Only)	4
Passing a Stopped School Bus	4
Speeding > 75 mph when speed limit is < 70 mph	4
Speeding >80 mph when the speed limits is >= 70 mph	4
Driving after consuming alcohol by persons < 21 years old	4
Illegal Passing	2
Following Too Closely	2
Speeding > 10 mph in a zone > 55 mph and < 76 mph	2
Speeding <= 10 mph and in a zone >= 55 mph	2
Other Moving Violations	1

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101 North Court Sq
Suite 22
Lumberton, NC 28358
ph: (910) 671-4500
fax: (866) 780-8245
danny@thebrittlawfirm.net