insurance-points-rates-north-carolina

North Carolina Insurance Points and Rates

North Carolina licensees are subject to two separate point classification systems, insurance and driver’s license points. This is true for drivers in Chapel Hill, Raleigh, Durham, Apex, Cary, Wake County, Chatham County, Durham County, Alamance County, and throughout North Carolina.

North Carolina Insurance Points:

The North Carolina Department of Insurance (NCDOI) regulates the insurance rates in North Carolina. An insured’s rate will be surcharged based on the number of insurance points that they receive during a three (3) year experience period. The following are the surcharges that will be assessed against an insured based on the number of insurance points received:

One Point 25% Five Points 105% Nine Points 225%
Two Points 45% Six Points 130% Ten Points 260%
Three Points 60% Seven Points 160% Eleven Points 300%
Four Points 80% Eight Points 190% Twelve Points 340%

The NCDOI has listed the following as traffic offenses that will cause an insured to receive insurance points:

Insurance Pts Convictions and At-Fault Accidents
12 -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 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
10 -Highway racing or lending a car for highway racing-Speeding to elude arrest
8 -Driving during revocation or suspension of license or registration-Aggressive driving
4 -Reckless driving-Hit-and-Run resulting in property damage only-Passing a stopped school bus-Speeding in excess of 75 mph when 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
3 -At-fault accident that occurs before Jan. 1, 2004 resulting in death, or bodily injury* in excess of $1,500 or property damage of $2,500 or more **-At-fault accident that occurs on or after Jan 1, 2004 resulting in death, or bodily injury* in excess of $1,800 or property damage of $3,000 or more**
2 -Illegal passing-Following too closely-At-fault accident that occurs before Jan. 1, 2004 resulting in property damage in excess of $1,500, but less than $2,500**-At-fault accident that occurs on or after Jan. 1, 2004, resulting in property damage in exess 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
1 -All other moving violations-At-fault accident that occurs before Jan. 1, 2004 resulting in bodily injury* of $1,500** or less, or property damage of $1,500 or less**-At-fault accident that occurs on or after Jan. 1, 2004 resulting in bodily injury * of $1,800″* or less.
0 -An accident if there is property damage only, the damage is $1,500 or less, there is no conviction for a moving violation in connection with the accident, and no licensed operators in the household have convictions or at-fault accidents during the experience period (An insurance company may require that the insured be covered by the company for six continuous months).-Speeding 10 mph or less over the posted speed limit provided that the violation did not occur in a school zone, and there is not another period (an isolated Prayer for Judgment Continued [PJC]will not count as a prior conviction for the purpose of this exception).-One PJC for each household every three years assuming that a second PJC is not charged.

**No Insurance Points will apply for Bodily Injury if the insured furnishes proof that costs were solely for diagnostic purposes. ** The greatest number of points will be applied for at-fault accidents resulting in Property Damage and Death or Bodily Injury.

Click to view the full document provided by the NCDOI

 

 

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