(b) SDIP Points Based on Accidents
In the event an insured is at fault in an accident and is convicted of a moving traffic violation in connection with the accident, only the higher total of points between the accident and the conviction shall be assessed on the policy. SDIP points are charged as follows for at-fault accidents.
SDIP Points |
At-Fault Accident Points |
% of Rate Increase |
1 |
At-fault accident resulting in bodily injury (to all persons) of $1,800 or less; OR resulting in property damage (including damage to insured’s own property) of $1,800 or less. No Insurance Points will apply for bodily injury if medical costs were incurred solely for diagnostic purposes. |
30% |
2 |
At-fault accident resulting in total property damage (including damage to insured’s own property) over $1,800 but under $3,000 |
45% |
3 |
At-fault accident resulting in death or total bodily injury (to all persons) of more than $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,000 or more. No Insurance Points will apply for bodily injury if the medical costs were incurred solely for diagnostic purposes |
60% |
No SDIP Points will be charged for an accident if:
1. There is property damage only;
2. The amount of damage is $1,800 or less;
3. There is no conviction for a moving violation in connection with the accident; and
4. 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 that company for six continuous months.)
(c) Example of how SDIP Points Impact Insurance Rates
The chart below demonstrates the increase in insurance premiums when a driver is charged with the corresponding SDIP points.
SDIP Points |
Original Insurance Premium |
% of Rate Increase |
Insurance Premium After Rate Increase |
0 |
$300 |
0% |
$300 |
1 |
$300 |
30% |
$390 |
2 |
$300 |
45% |
$435 |
3 |
$300 |
60% |
$480 |
4 |
$300 |
80% |
$540 |
8 |
$300 |
195% |
$885 |
10 |
$300 |
260% |
$1,080 |
12 |
$300 |
340% |
$1,320 |
From reading this article it should be clear that insurance points in North Carolina are complicated. Not only are the point systems complex, they can also be extremely costly to you if your violation is handled incorrectly. Don’t make a mistake in how you handle your speeding ticket or other traffic violation. Contact Todd Browning or Howard Long at Browning & Long, PLLC, two attorneys who are experienced in handling speeding tickets and other traffic violations.
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Follow the link below to get Browning & Long on your side immediately.