Insurance Points in Case of an Auto Collision
Serge Semirog
In North Carolina, drivers who are convicted of moving traffic violations and/or cause accidents will be charged higher premiums in accordance with their driving records.
Insurance points are charged as follows for convictions and at-fault accidents:
1 POINT
- Moving violations
- At-fault accident resulting in bodily injury (to all persons) of $1,800 or less; OR resulting in property damage (including damage to insured’s own property) of $1,800 or less
- Speeding 10 mph or less in excess of speed limit of less than 55 mph
2 POINTS
- Illegal passing
- Following too closely
- Driving on wrong side of the road
- At-fault accident resulting in total property damage (including damage to insured’s own property) in excess of $1,800 but less than $3,000
- Speeding more than 10 mph over the speed limit provided the total speed is in excess of 55 mph, but less than 76 mph
- Speeding 10 mph or less in excess of speed zone of 55 mph or greater
3 POINTS
- At-fault accident resulting in death, or total bodily injury* (to all persons) in excess of $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,000 or more
4 points
- Reckless driving
- Hit-and-run resulting in property damage only
- Passing a stopped school bus
- Speeding in excess of 75 mph when the speed limit is less than 70 mph
- Speeding in excess of 80 mph when the speed limit is 70 mph or greater
- Driving by a person less than age 21 after consuming alcohol or drugs
8 points
- Driving during revocation or suspension of license or registration
- Aggressive driving
10 points
- Highway racing or lending a car for highway racing
- Speeding to elude arrest
12 points
- Manslaughter or negligent homicide
- Prearranged highway racing or lending a car for prearranged highway racing
- Hit-and-run resulting in bodily injury or death
- Driving with a blood-alcohol level of .08 or more
- Driving commercial vehicle with a blood-alcohol level of .04 or more
- Driving while impaired
- Transporting illegal intoxicating liquor for sale