Information Provided by North Carolina Department of Insurance

North Carolina Safe Driver Incentive Plan

Maintain a clean driving record. To reward safe drivers with the lowest possible insurance rates, the General Assembly enacted the North Carolina Safe Driver Incentive Plan (SDIP). Drivers who are convicted of moving traffic violations and/or cause accidents will be charged higher premiums in accordance with their driving records. SDIP points are charged as follows for convictions and at-fault accidents occurring during the Experience Period:

SDIP Points	Convictions and At-Fault Accidents
12	Manslaughter or Negligent Homicide Prearranged Highway Racing or Lending a car for Prearranged Highway Racing Hit-and-Run resulting in Bodily Injury or Death Driving with a Blood-Alcohol Level .08 or More Driving a commercial vehicle with a Blood-Alcohol Level of .04 or More Driving While Impaired Transporting Illegal Intoxicating Liquor for Sale
10	Highway Racing or Lending a Car for Highway Racing Speeding to Elude Arrest
8	Driving During Revocation or Suspension of License or Registration
4	Reckless Driving 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 Limits is 70 mph or Greater Driving by a Person Less than age 21 after Consuming Alcohol or Drugs
3	At-Fault Accident that Occurs Before January 1, 1998, Resulting in Death, or Bodily Injury, or Property Damage Only of $2,000 or More At-Fault Accident that Occurs On or After January 1, 1998, Resulting in Death, or Bodily Injury, or Property Damage Only of $2,500 or More*
2	Illegal Passing Following Too Closely Driving on Wrong Side of the Road At-Fault Accident that Occurs Before January 1, 1998, Resulting in Property Damage in Excess of $1,000, but less than $2,000 At-Fault Accident that Occurs On or After January 1, 1998, Resulting in Property Damage in Excess of $1,500, but less than $2,500** 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	All Other Moving Violations At-Fault Accident that Occurs Before January 1, 1998, Resulting in Property Damage Only of $1,000 or Less At-Fault Accident that Occurs on or After January 1, 1998, Resulting in Bodily Injury* of $1,500 or Less, or Property Damage of $1,500 or less** Speeding 10 mph or less in Excess of Speed Limit of Less than 55 mph
* No SDIP points will apply for Bodily Injury if the insured furnishes proof that costs were solely for diagnostic purposes. ** The greatest number of points will be applied for at-fault accidents resulting in Property Damage and Death or Bodily Injury.

Special Exemptions
No SDIP points will be charged for:

An Accident provided all of the following are true:

There is property damage only;
The amount of damage is $1,000 or less ($1,500 or less if accident occurs on or after January 1, 1998);
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 months).

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 Judgement Continued (PJC) will not count as a prior conviction for the purpose of this exception).

One PJC for each household every three years; however:

A second PJC may cause points to be charged according to the underlying convictions.

Insurance Points Will Cost You Money
Points	% of Rate Increase	Cost if Basic Rate is $300	Points	% of Rate Increase	Cost if Basic Rate is $300
1	25%	$375	7	180%	$840
2	45%	$435	8	220%	$960
3	65%	$495	9	260%	$1,080
4	90%	$570	10	300%	$1,200
5	120%	$660	11	350%	$1,350
6	150%	$750	12	400%	$1,500

Information Provided by North Carolina Department of Insurance