Many individuals underestimate the hidden financial impact of traffic violations in North Carolina. It’s not uncommon for people to simply pay a ticket without considering the potential long-term costs. However, beyond fines and court fees, traffic violations can lead to significantly increased insurance premiums due to the state’s insurance points system.
North Carolina uses a tiered insurance points system to assign a specific number of points for various traffic infractions. These points directly influence the percentage increase in your insurance premiums. For example, a single insurance point, such as from a speeding ticket for going 10 mph over the limit in a zone under 55 mph, can raise your premiums by 25%. More serious offenses, like reckless driving or DWI, can add multiple points, potentially doubling or even tripling your annual premium. Over three years, this can amount to thousands of dollars.
It’s essential to understand that insurance points are distinct from driver’s license points. While license points can lead to suspensions, insurance points only affect your financial liability, though they linger on your record for three years.
Fortunately, you can take steps to minimize the impact. Proactively addressing the issue by hiring an experienced attorney can make a significant difference. Attorneys can negotiate reduced charges, advocate for dismissals, or help you enroll in traffic safety courses, which might mitigate points entirely. These options can prevent substantial increases in insurance premiums while keeping your driving record clean.
Don’t let a seemingly minor mistake escalate into years of financial strain. By seeking professional legal advice, you can protect your wallet and maintain peace of mind. Contact an attorney at Ley Law for help tackling your traffic ticket today.
Abigail Killinger Author
Abigail Killinger is an Associate Attorney at Ley Law, where she brings a client-centered approach to her practice areas, which include Criminal Defense, Family Law, and Civil Matters. Abigail graduated summa cum laude with a B.S. in Political Science from East Carolina University in 2020, where she was awarded the John P. East Scholarship. She went on to earn her Juris Doctor from Brigham Young University’s J. Reuben Clark Law School in 2023.
