How will this ticket affect my insurance? That’s one of the first questions we get when someone calls us about a traffic ticket in Alamance, Guilford, or Orange Counties. What follows is usually a statement to the effect of “I don’t want this to go against my insurance,” or “I don’t want any insurance points.”
Just what are insurance points and how do they work? The simplest answer is that points are part of a system developed by the insurance industry and government to charge higher auto insurance premiums on drivers who speed or are involved in other behavior that increases the risk that an insurance company will have to pay a claim. They are not same thing as drivers license points. In North Carolina, insurance points are governed by the Safe Driver Incentive Program.
What’s hard for people to understand is that insurance points are not the same as driver’s license points. However, in order to try to avoid insurance points you have to know what’s on a person’s driving record. To further complicate things, neither the judge nor the district attorney can give you legal advice. Moreover, it’s confusing have to juggle drivers license points and insurance points in your head when you don’t this for a living.
If you purchase your auto insurance in North Carolina, this link to the Department of Insurance’s website may be helpful. For example, if you are reading it correctly, it shows that a conviction for speeding 80/65 will result in insurance points that will raise your North Carolina auto insurance rates by at least 80%.
Does this mean that if you got a ticket for speeding 80/65 you will automatically be assessed insurance points that will raise your insurance by 80%? No! If you know what you are doing, it’s frequently possible to completely eliminate or reduce the imposition of insurance points. In fact, that’s the premise that we’ve built our whole practice around: eliminating or reducing the imposition of insurance points. Over the past 10 years we’ve served over 9,000 motorists and have prominently featured that goal in all our traffic contracts.
If you’ve received a traffic ticket in Alamance County, Orange County, or Guilford County and are concerned about the insurance points that may result from this ticket call us at (336) 570-1923.