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Traffic Law

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Traffic Law - Attorney Tim Pavone

๐Ÿš” North Carolina Traffic Attorney

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Unlike most states, North Carolina has a dual point system for traffic points. If you are found guilty of a traffic violation you can acquire DMV points and Insurance points. Most drivers realize insurance points are assessed by insurance companies who then add a surcharge to your insurance premium under the Safe Driver Incentive Plan.

You should always consult with an attorney regarding a ticket. Handled improperly, you will see that there can be serious financial consequences. We will appear in court for you and represent you for your ticket in Mecklenburg, Gaston, Cabarrus, Union, and Iredell county. Contact The Law Offices of Attorney Timothy J. Pavone, PLLC at (980) 613-4849.

DMV and Insurance points are counted against you for a three year period. Each driver in every household gets a โ€œwaiverโ€ for their first speeding ticket less than 10 MPH over the speed limit. If your insurance company raised your rate for a speeding ticket less than 10 MPH and it is your first one, please contact my offices and we will write a letter on your behalf.

DMV Points in North Carolina

DMV Points Traffic Violation
6 Rail-highway crossing violation
6 Careless and reckless driving under N.C.G.S. ยง20-140(f)
6 Speeding under N.C.G.S. ยง20-141(j3)
5 Passing a stopped school bus
5 Aggressive driving
4 Reckless driving
4 Hit and run (with only property damage)
4 Following too close
4 Driving on the wrong side of the road
4 Illegal passing
4 Failure to yield right of way to pedestrian,
bicycle, motor scooter, or motorcycle
3 Running a stop sign/red light
3 Speeding more than 55mph
3 Failure to yield right-of-way
3 No driverโ€™s license/license expired more than 1 year
3 Failure to stop for siren
3 Driving through a safety zone
3 No liability insurance
3 Failure to report accident when required to
3 Speeding in a school zone
2 No child restraint/child not in seat belt
2 All other moving violations
1 Littering involving use of motor vehicle

No points are assessed for the offenses listed below:

  • Overloads
  • Over lengths
  • Over width
  • Over height
  • Illegal parking
  • Carrying a concealed weapon
  • Improper plates
  • Improper registration
  • Improper muffler
  • Improper display of license plate or dealerโ€™s tag
  • Unlawful display of emblems/insignias
  • No current inspection sticker

Insurance Points in North Carolina

Insurance Points Traffic Violation
12 Vehicular manslaughter
12 Prearranged racing/knowingly lending a motor vehicle for a prearranged race
12 Hit-and-run (involving bodily injury/death)
12 Driving a commercial motor vehicle with a blood-alcohol level of .04 or more
12 Driving with a blood-alcohol level of .08 or more
12 Driving while impaired 12 Transporting illegal liquor for sale
12 Racing (not prearranged)/lending a motor vehicle to be used in a race
10 Speeding to elude arrest
10 Aggressive driving
8 Driving while license/registration revoked
8 Hit-and-run (property damage only)
4 Reckless driving
4 Passing a stopped school bus
4 Speeding 76+mph in speed zone of 70mph or less
4 Speeding 81+mph in speed zone of 70mph or greater
4 Driving by someone under 21 after consuming alcohol/drugs
4 Illegal passing
2 Speeding more than 10mph over the speed limit where total speed is between 56mph-75mph
2* Speeding 10mph or less over speed limit where speed limit is 55mph or greater
2 Following too close
2 Driving on the wrong side of the road
1* Speeding 10mph or less over speed limit where speed limit is less than 55mph
1 Any other moving violation

*No points are assessed for these violations unless the same driver has been convicted of another moving violation offense within the last three years


Insurance Surcharge Table

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