Beware the Hidden Insurance Costs When the
Insurance Company Pays Damages After Your Accident
Drive Carefully or Call Us!
This obsequeous little marketing phrase is really important to remember should you be unfortunate enough to run into one of North Carolina's finest when driving down the road. My hope is that this outline will make you see the wisdom of getting an attorney for even the most minor of traffic violations.
Now that I have your attention you ask: "How do I find out the number of insurance points I'm facing when I get a ticket?" The easy answer is calling your attorney for a free consultation. However, since you are here read on and see how really scary this is! Then you will start to understand why attorneys can help.

See the chart at the bottom of this page for insurance points by criminal offense.

If you are involved in an accident and are deemed "at-fault" (negligent) by the insurance carrier you get insurance points.

So you thought you had heard all about the insurance point nightmare, wrong!

a. If you are involved in a major accident resulting in (i) bodily injury or death, or (ii) only property damage of $2,500.00 or more you will be charged 3 insurance points.
b. If you are involved in a intermediate accident resulting in only property damage of $1,501.00 up to $2,500.00 you will be charged 2 insurance points.
c. If you are involved in a minor accident and cause property damage of $1,500.00 or less it is 1 insurance point.
d. If you are involved in a accident with more than $500.00 in bodily injury expense you will be charged 3 insurance points.
e. If you are involved in a accident with less than $500.00 in bodily injury expense you will be charged 1 insurance point.

If there is any good news in this it is this:

a. Accidents caused by contact with animals (deer) or fowl are exempted from at-fault accidents.
b. Accidents caused by flying gravel or falling objects, which result in property damage alone, are exempted from at-fault accidents.
c. If you are convicted of a traffic violation in connection with the at-fault accident which causes property damage and/or bodily injury, you are punished once in that you get the greater point value as outlined above, between the points assigned for the traffic violation and the points assigned for the bodily injury and/or property damage. The insurance points are not added together.

However there is more bad news:

a. You can't avoid insurance points by paying for damages in minor accidents where you are "at-fault."
b. Points stay on your record for three (3) years.

Well what can an attorney do for me? Lawyers have knowledge of the insurance point system and how to minimize the number of points involved with a traffic citation. Without giving away all our secrets, we use a combination of "plea bargaining" to lesser offenses, citation modification to "non-moving" violations and the use of a "prayer for judgment continued" to insure that no final conviction is entered from which insurance points can be calculated, and of course, we also try cases and put the State or Government to task on your behalf.

Beware of the Hidden Insurance Costs From Your Traffic Violation
For "Jacks or better," tickets cost you money! People just don't understand the enormous financial consequences of the so-called "garden variety" speeding ticket, not to mention the possibility of losing your license.

The North Carolina Auto Insurance Point System is a law that allows insurance companies to charge people big bucks, if they have been convicted of "violating" the motor vehicle laws of our state or another state. The reason for this is that people who violate (who are convicted of an offense or who pay off the ticket) the driving laws or who have been involved in accidents for which they are deemed at fault by the insurance companies, are more likely to be involved in accidents in the future resulting in claims. The insurance companies have convinced our lawmakers that those who cause them to have to pay out more in claims will have to pay more than the rest of mankind and do so for three (3) years. Good in theory -- Bad in practice!

The point system applies to insurance policies on automobiles, motorcycles and motorized scooters. The insurance points assessed against your policy may come from the traffic violations or accidents of any named insured (like your spouse), listed drivers (like your kids) or any other drivers in your household.

This point system (or the insurance company money tree) raises your premium on all coverage's on your policy, not just the liability portion. The only exception is that there is not an increase (surcharge) on the portion of your premium that pays for uninsured motorist and underinsured motorist coverage. If you have more than one vehicle on your policy, the increase in premium is added to the highest rated vehicle (the one with the biggest premium only). This is not necessarily the one which you were driving when you got the ticket or had the accident.

So you ask: "How much can the insurance company charge me? Below is the increase in your insurance by points.

1------------------25%
2------------------45%
3------------------60%
4------------------80%
5------------------105%
6------------------130%
7------------------160%
8------------------190%
9------------------225%
10----------------260%
11----------------300%
12----------------340%


Offense Number of Insurance Points

DWI (driving with blood alcohol level of .08% or more). . . . . . . . . . . . . . . . . . . . . . . 12*
Driving a commercial vehicle with blood alcohol of .04% or more. . . . . . . . . . . . . . 12
Hit and run driving involving death or bodily injury . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Transporting illegal intoxicating liquor for sale. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12
Pre-arranged highway racing or lending a car for such purposes. . . . . . . . . . . . . . .12
Manslaughter or negligent homicide involving a motor vehicle. . . . . . . . . . . . . . . . . 12
Speeding to elude arrest (At any speed). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Non pre-arranged highway racing or lending a car for such purposes. . . . . . . . . . . 10
Driving during a period of revocation, or suspension of license or registration . . . .8
Reckless driving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Passing a stopped School Bus while it is displaying a warning sign . . . . . . . . . . . . 5
Hit and run involving property damage only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Driving after consuming alcohol or drugs, driver is less than 21 years of age . . . . .4
Speeding in excess of 75 MPH where posted speed is less than 70 MPH. . . . . . . 4
Speeding in excess of 80 MPH where posted speed is less than 70 MPH . . . . . . .4
Illegal Passing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Following to closely. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Driving on the wrong side of the road. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Speeding more than 10 MPH and speed in excess of 55 but less than 75 MPH. . .2**
Speeding 10 MPH or less where the posted speed is less than 55 MPH. . . . . . . . 1**
Any other conviction of a moving violation (exceeding safe speed, etc.). . . . . . . . . 1

* No points assigned if the license is revoked under G.S. 20-16.5 and the driver is subsequently acquitted of the DWI or the violation that was the cause of the revocation.

** No points (by waiver) if the driver has no other moving violation in the previous 3 years. However, if the driver gets this waiver of points and then gets convicted of a moving violation, he then gets the points from both the new conviction and for the waived conviction.
Copyright 2011, Noble & Quinn, Attorneys at Law, P.C.
Attorneys at Law, PC
"At Noble & Quinn,
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Drive Carefully
Or Call Us!