What is the difference between License (DMV) and Insurance Points in North Carolina?

traffic accident

Oddly enough, in North Carolina you can have license points and not have insurance points, or visa versa. North Carolina has a dual points system license/DMV points and insurance points. In most cases, however, license points translate to insurance points, but not always. Insurance points can mean drastic increases to your North Carolina auto insurance premiums for 3 years (only 1 point is a 30% increase). If you were convicted of driving, say, 76 mph in a 65 mph zone, that would be 3 license points and 4 insurance points. 4 insurance points translates to an 80% increase to your North Carolina auto insurance premium. 

When you are convicted of a traffic violation or speeding violation, you may accrue both DMV license points as well as insurance points. Unless you're confident in NC Department of Motor Vehicles or Department of Insurance rules, we highly recommend that you contact a traffic attorney about your citation. You could save lots of money and headache. Additionally, for your information, your North Carolina driver’s license is suspended after 12 points in a three year period. 

To learn more about how your speeding ticket or traffic citation could affect your North Carolina auto insurance rates, read more here.

Want to learn how to seek to avoid these insurance increases? Give us a call today at 919-200-0822.