The state of North Carolina is fairly unique in that it has two traffic ticket point systems. One of these determines driver's license points, and the other applies to insurance points. Because there are two structures in place with a direct effect on your rights as a driver and the insurance rates you pay, it’s essential to design an effective traffic ticket defense to minimize any negative impact that might stem from a moving violation. To help you in this process, here’s a closer look at how each of the state's point systems works.

The DOT System

The North Carolina Department of Transportation assigns numbers based on the severity of the traffic infraction as well as on the rate with which numbers are accumulated. For instance, passing a stopped school bus that is loading or unloading children incurs one of the highest penalties of five points; by contrast, littering from a vehicle incurs just one point.

Also, a license can be suspended by the DOT if the driver accumulates 12 or more points in a three-year period. If, after reinstatement, they accumulate eight or more points within the following three years, the DOT can impose another suspension. Bear in mind that whenever a license is reinstated, the previous points are wiped out.

The SDIP System

The other state system dealing with traffic points is administered by the Safe Driver Incentive Plan (SDIP). This structure is based on the same principle as the DOT plan, with numbers assigned to different degrees of traffic violation severity. The numbers, though, are different and can have greater consequences for your finances.

For example, a hit-and-run that caused injury or death corresponds with 12 points of demerit, while speeding under 10 miles per hour in a 55 MPH zone comes with just one point. However, one point is substantial, as it might equal as much as a 30% increase in insurance rates. Mounting a traffic ticket defense for even a seemingly minor violation can help you save significantly on your premiums.

Bates Law Firm PLLC is here to help you plan a successful traffic ticket defense. Attorney Aaron D. Bates represents clients throughout Anson, Richmond, Stanly, and Union counties in North Carolina. Don't let a moving violation limit your ability to drive or increase your car insurance rates. Schedule a traffic ticket defense consultation by calling (704) 694-0195 or visit the firm’s website for more information on their services.