The Insurance Impact of Speeding & Moving Violations
Traffic Tickets and Insurance in North Carolina
The plain truth is that a traffic ticket results in an insurance increase that will stay with you for three years. Insurance companies in North Carolina are members of the North Carolina Rate Bureau and follow the Safe Driver Insurance Plan, which allows insurance premium increases based on convictions for moving violations on your driving record. Just one insurance point (given for minor moving violations) and your premium will rise by 25%. Accumulate the maximum of twelve points, and your premium snowballs to a 400% increase.
In many cases, there are often viable ways to minimize and avoid insurance premium increases. You should almost never simply plead guilty or pay a fine if you are charged with a moving violation. You should also be careful with seeking a prayer for judgment continued (PJC). A PJC can be used to avoid insurance points, but only in certain situations. Only one PJC is allowed per household every three years, and breaking such a rule results in even more insurance points. Our skilled traffic lawyers discuss how PJCs can help or hurt in our PJC video.
The attorneys at Kurtz & Blum, PLLC can likely help lessen the damage to your insurance after traffic tickets. Contact us today.
Our experienced traffic lawyers help people throughout Wake County, North Carolina. We frequently handle offenses arising out of the following cities: New Hope, Fuquay-Varina, Rolesville, Zebulon, Holly Springs, Wendell, Cary, Garner, Apex, Raleigh, Morrisville, Knightdale and Wake Forest.