When you are considered a “High Risk” in North Carolina your rates could soar quickly.
NC Assigned or High Risk Car Insurance, each insurance company initially is allowed to refuse to sell insurance to any driver, except for reasons prohibited by antidiscrimination laws. Drivers who are initially unable to buy insurance may appeal to an organization that assigns such drivers to insurance companies in proportion to company market share. Each company is required to sell insurance to its assigned drivers, for which the company receives premiums, pays claims, and provides service.
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Driving safely saves lives and money. The North Carolina Safe Driver Incentive Plan (SDIP) was created by state law to give drivers a financial incentive to practice safe driving habits. SDIP points are charged as follows for convictions and at-fault accidents occurring during the Experience Period (the three-year period preceding either the date an individual applies for coverage or the insurance company prepares to
renew an existing policy).(NCGS §58-36-65 and 58-36-75)
12 Points for
Manslaughter or negligent homicide
Prearranged highway racing or knowingly lending a motor vehicle for prearranged highway racing
Hit-and-run resulting in bodily injury or death
Driving with a 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 Points for
Highway racing or knowingly lending a motor vehicle for highway racing
Speeding to elude arrest
8 Points for
Driving during revocation or suspension of license or registration
4 Points for
Hit-and-run resulting in property damage only
Passing a stopped school bus
Speeding in excess of 75 mph when the 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 Points for
At-fault accident resulting in death, or total bodily injury* (to all persons) in excess of $1,800; OR resulting in total
property damage (including damage to insured’s own property) of $3,000 or more.
2 Points for
Following too closely
Driving on wrong side of the road
At-fault accident resulting in total property damage (including damage to Insured’s own property) in excess 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 Points for
All other moving violations
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
Speeding 10 mph or less in excess of speed limit of less than 55 mph
*No Insurance points will apply for bodily injury if the insured furnishes proof that the medical costs were incurred solely for diagnostic purposes.
No Points Charged for:
An accident provided all of the following are true:
There is property damage only; The amount of damage is $1,800 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 that company for six continuous
Speeding 10 mph or less over the posted speed limit; provided all of the following are true:
The violation did not occur in a school zone; and
There is not another moving traffic violation for the
experience period (an isolated Prayer for Judgment Continued
[PJC] will not count as a prior conviction for the purpose of this
One PJC for each household every three years; however:
A second PJC may cause points to be charged according to the underlying convictions.
North Carolina High Risk Car Insurance help is available in the following metropolitan area and suburbs in the Tarheel State. ( Help is available in every NC town)
Asheville | Cary | Charlotte | Durham | Fayetteville | Gastonia | Greensboro | Greenville | Hickory | High Point | Jacksonville | Raleigh | Wilmington | Winston‑Salem Albemarle | Apex | Asheboro | Burlington | Chapel Hill | Concord | Eden | Elizabeth City | Goldsboro | Graham | Havelock | Henderson | Hendersonville | Kannapolis | Kings Mountain | Kinston | Laurinburg | Lenoir | Lexington | Lumberton | Monroe | Morganton | New Bern | Newton | Reidsville | Roanoke Rapids | Rocky Mount | Salisbury | Sanford | Shelby | Statesville | Thomasville | Waynesville | Wilson Boone | Carrboro | Clayton | Cornelius | Dunn | Fuquay-Varina | Garner | Harrisburg | Holly Springs | Hope Mills | Huntersville | Indian Trail | Kernersville | Knightdale | Matthews | Midland | Mint Hill | Mooresville | Morehead City | Morrisville | Mount Pleasant | Oxford | Smithfield | Southern Pines | Tarboro | Wake