Insurance Points in Case of an Auto Collision

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

NORTH CAROLINA MOTORCYCLE SAFETY FACTS

• Motorcycles represent about 2 percent of all registered vehicles in NC, but account for about 10 percent of all fatalities on our roads;
• As of September 1st of 2007, 63 % of all crashes involving motorcycles were single vehicle crashes (motorcycle only);
• Of those crashes involving other vehicles, over half (53%) were the fault of the motorcyclist;
• Of those motorcyclist at fault crashes 81% occurred when the rider crossed the centerline either while passing another vehicle or while negotiating a curve; 
• Of those other vehicle at fault crashes 57% were failure to yield right of way at an intersection and 43% were turning left across the motorcycles path;
• The majority (82.7%) of motorcycle fatal crashes occurred because of the fault of the motorcyclist.