Effect of Traffic Ticket on Insurance Premiums

North Carolina drivers will be assessed insurance points if convicted of a moving violation or if they have an at-fault accident during a three-year period. This three-year period is determined to be the three-year period immediately preceding the date of application, or the date of preparation of renewal of your insurance policy. A conviction includes pleas of guilty, no contest, suspended sentences, forfeiture of bail, and the payment of court costs and a fine. Contact the Law Offices of Banks Huntley, for a FREE Confidential Consultation with an experienced traffic ticket attorney. We will keep your insurance premiums low and more money in your wallet. (704) 910-6278

Table of Insurance Points

12 Points- Manslaughter or negligent homicide resulting from the operation of a motor vehicle, Felony prearranged highway racing or knowingly lending a motor vehicle to be used in a prearranged race, Felony failure to stop and render aid when involved in an accident resulting in bodily injury or death, Felony impaired driving, including driving a vehicle while under the influence of an impairing substance; driving a vehicle with an alcohol concentration of 0.08 percent or more; and driving a commercial vehicle with an alcohol concentration of 0.04 percent or more, Transportation of intoxicating liquors for the purpose of sale.
10 Points- Highway racing or knowingly lending a motor vehicle to be used in the race, Speeding to elude arrest
8 Points- Operating a motor vehicle during a period of revocation or suspension of either the driver’s license or vehicle registration
4 Points- Failure to stop and report when involved in a motor vehicle accident resulting in property damage, Reckless driving, Passing a stopped school bus, Speeding in excess of 75 miles per hour (mph) when posted limit is less that 70 mph, Speeding in excess of 80 mph when limit is 70 mph or greater, Driving by a person under 21 after consuming alcohol or drugs
3 Points– Each at-fault accident that results in bodily injury (in excess of $1,800) or death or total property damage (including the insured’s property) of $3,000 or more
2 Points- Illegal passing, Speeding more than 10 mph over the limit if total speed was in excess of 55 mph but less than 76 mph, Speeding 10 miles or less in excess of limit in speed zone of 55 or greater, Following too closely, Driving on the wrong side of the road, Each at-fault accident that results in total damage to all property which is in excess of $1 ,800 but less than $3,000.
1 Point- Speeding 10 mph or less in excess of a speed limit of less than 55 mph, Any other moving violation

A conviction or plea to a traffic ticket can cause a driver to incur insurance points that will cause your insurance premiums to skyrocket. Below is an insurance surcharge table that shows what percentage your insurance premium will increase based on how many insurance points you accumulate.

Insurance Surcharge Table

1 Point– 25% increase 7 Point– 180% increase

2 Point– 45% increase 8 Point– 220% increase

3 Point– 65% increase 9 Point– 260% increase

4 Point– 90% increase 10 Point– 300% increase

5 Point– 120% increase 11 Point– 350% increase

6 Point– 150% increase 12 Point– 400% increase

Find Out How We Can Help

Contact the Law Offices of Banks Huntley and know that your speeding ticket or traffic violation will be handled in an expeditious and professional manner. Let us help put money back in your wallet and keep insurance points down. Call our office for a Free Confidential Consultation at (704) 910-6278.

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