There are 2 important point systems related to driving in NC. There are DMV points and insurance points
DMV points, or license points, are points that are assessed to you by the DMV. Your driver’s license will be suspended if you accumulate 12 or more DMV points within a 3 year period. Below is a list of driving charges, and the amount of DMV Points associated with each charge: Offense-------------------------------------------------------------DMV Points Manslaughter or Negligent Homicide--------------------------Suspended Pre-arranged Highway Racing----------------------------------Suspended Hit and Run (injury/death)--------------------------------------Suspended DWI (.08 BAC or more)------------------------------------------Suspended Transporting Illegal Liquor for Sale-----------------------------Suspended Highway Racing-------------------------------------------------Suspended Speeding to Elude Arrest---------------------------------------Suspended Driving While Revoked or Suspended--------------------------Suspended Aggressive Driving (Comm. Lic.)---------------------------------6 Points Aggressive Driving (Class C License)----------------------------5 Points Reckless Driving-------------------------------------------------4 Points Hit and Run (property damage)----------------------------------4 Points Passing a Stopped School Bus-----------------------------------5 Points Speeding (75 mph or greater when limit < 70)------------------Suspended Speeding (80 mph or greater when limit 70)---------------------3 Points Driver Under 21 Driving after Consuming Alcohol/Drugs-------Suspended At-FaultAccident (injury/death > $800)--------------------------Suspended Illegal Passing----------------------------------------------------4 Points Following Too Closely--------------------------------------------4 Points Driving on Wrong Side of Road-----------------------------------4 Points Stop Sign/Stop Light Violation-----------------------------------3 Points Speeding Through a Safety Zone---------------------------------3 Points Driving with no Operator’s License-------------------------------3 Points Failure to Yield Right of Way-------------------------------------3 Points Failure to Stop for Siren-------------------------------------------3 Points Driving with no Liability Insurance--------------------------------3 Points At Fault Accident (property damage > $1,800, but < $3,000)------3 Points Speeding (>10 mph over limit when speed limit is > 55, but < 76)--3 Points Speeding when limit is 55 mph or greater------------------------3 Points Speeding when limit is 55 mph or less---------------------------2 Points Speeding in School Zone-----------------------------------------3 Points All other Moving Violations---------------------------------------2 Points Failure to Restrain Child in Restraint------------------------------2 Points At-Fault Accidents (injury or property damage < $1,800)---------3 Points Littering from vehicle---------------------------------------------1 Point Non-Moving Violations-------------------------------------------0 Points Adkins Law Attorneys are happy to help clients with any traffic violation. Call us today with any question you may have or to get help with your traffic violation.
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All states require drivers to buy automobile insurance, but the reality is that, whether out of ignorance, inability, or unwillingness, many drivers ignore this requirement. If you get into an accident with such a driver and you do not have uninsured motorist coverage, you may find yourself needing to take the uninsured driver to court in order to recover damages. Seeing as how that driver could not afford insurance in the first place, it seems unlikely that you will recover anything from them. For this reason, it is prudent to purchase uninsured motorist coverage where you have the option to do so. In a handful of states, it is required. How it Works Most uninsured motorist laws give coverage for all sums the owner would be legally entitled to recover if the uninsured motorist was insured, but the specifics involving just what the motorist would have been entitled to recover differ state by state.
Definition of Uninsured Vehicle Definitions of an uninsured vehicle change slightly from state to state, but most define it as a driver who did not have any insurance, had insurance that did not meet state-mandated minimum liability requirements, or whose insurance company denied their claim or was not financially able to pay it. Most laws also specify that uninsured vehicles include:
Coverage of Persons It is very important that the person claiming benefits under an uninsured motorist policy fall within the policy’s definition of an “insured.” Those covered differ from policy to policy and it is vital that you understand who is covered before making a purchase. People commonly covered include:
Underinsured Motorist Insurance You can also purchase insurance that protects you from underinsured drivers in addition to uninsured ones. An underinsured driver is someone who met minimum legal financial responsibility requirements but did not have payment limits high enough to cover the damage they caused. Underinsured motorist protection pays you for damages that exceed the payment limits carried by a driver who is considered underinsured. |
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