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You can get points on your license for these offenses in NC. Will your insurance go up?
2 days ago
In North Carolina, traffic violations can result in points on your driving record, which may lead to license suspension and increased insurance rates.
Here’s an overview of the state’s point systems and their implications:
Driver's License Points
According to the N.C. Division of Motor Vehicles (NCDMV), points are issued for certain motor vehicle violations. Accumulating points can lead to the suspension of your driving privileges. Below are the points assigned for common offenses:
Passing a stopped school bus: 5 points
Aggressive driving: 5 points
Reckless driving: 4 points
Hit and run (property damage only): 4 points
Following too closely: 4 points
Driving on the wrong side of the road: 4 points
Illegal passing: 4 points
Failure to yield right of way to pedestrians: 4 points
Failure to yield right of way to motorcycles: 4 points
Running through a stop sign: 3 points
Speeding in excess of 55 mph: 3 points
Failure to yield right of way: 3 points
Running through a red light: 3 points
No driver’s license or expired for more than one year: 3 points
Insurance companies in North Carolina use a different point system called the Safe Driver Incentive Plan (SDIP), which affects how much your insurance rates can increase. Here are some examples:
Driving while impaired (DWI): 12 SDIP points (340% rate increase)
Hit-and-run resulting in bodily injury or death: 12 SDIP points (340% rate increase)
Reducing Points
Drivers can attend driver improvement clinics if they accumulate seven points on their driving record. Completing the course will reduce the driving record by three points. NCDMV will notify individuals who qualify for these clinics, and they must apply for a hearing and pay associated fees to be assigned a hearing date.
Checking Your Points
North Carolina drivers can view their points by logging into their MyDMV accounts at edmv.ncdot.gov. You’ll need your driver’s license number, the last four digits of your Social Security number, and your date of birth. The points will be displayed under “Your Driving Status.”
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