If you’re accused of committing a moving violation, it’s wise to call a traffic ticket lawyer. Even if the potential penalty is a small fine, traffic tickets can have a cumulative impact on your driving record and a severe effect on your insurance premiums. The state of North Carolina has two separate points system, both of which penalize motorists for moving violations. Here’s what you should know about these two systems if you drive in the Tar Heel State. 

The Department of Transportation System 

The DOT system refers to points against your driver’s license. These points are tracked by the Division of Motor Vehicles, as they go on your driving record. If you accumulate more than 11 points within a three-year period, you face a 60-day license suspension. 

Different violations carry different points. Naturally, more serious infractions will yield more points. Littering, for example, can result in a single point against your license, whereas passing a stopped school bus that’s loading or unloading children will result in five points. 

The Safe Driver Incentive Plan 

The SDIP refers to insurance points. They’re called insurance points because they influence the premiums—and any applicable surcharges—you end up paying for auto coverage. Like DOT points, SDIP points will remain on your record for three years. This period—and the higher cost of coverage—starts when the policy is renewed (or when you purchase a totally new policy).

After evaluating the situation, a traffic ticket lawyer can explain the precise penalties you’re facing, as they can vary based on your record. Generally speaking, though, an infraction that's worth a single point will result in a 25% rate increase. If you accumulate six points within three years, on the other hand, your rate will increase by 150%. 

If you need a traffic ticket lawyer in North Carolina, turn to Thomas W. Smothers, Attorney At Law. Located in High Point, this firm knows what it takes to challenge all kinds of infractions. They can also defend you if you ever find yourself facing more serious criminal charges. Backed by more than 25 years of experience, they have the resources, knowledge, and tenacity to secure the most favorable outcomes possible for their clients. To schedule a personal consultation with a traffic ticket lawyer, visit their website or call (336) 885-1240.