The North Carolina Safe Driver Incentive Plan (SDIP) was enacted by the General Assembly to reward safe drivers with the lowest possible insurance costs. 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:

12	Manslaughter or negligent homicide Prearranged highway racing or lending a car for prearranged highway racing Hit-and-run, bodily injury or death Driving under the influence Driving while blood alchohol level greater than .08% 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, property damage only Passing a stopped school bus Speeding in excess of 75 mph or 80 mph in 70 zone Driving after consuming alcohol, driver under 21
3	At-fault accident resulting in bodily injury over $500 or death; or property damage of $2,500 or more*
2	Illegal passing Speeding in excess of 55 mph but less than 76 mph Driving on wrong side of road At-fault accident resulting in property damage in excess if $1,500, but less than $2,500*
1	All other moving violations or at-fault accident with property damage of $1,500 or less, bodily injury of $500 or less*

* If the accident occurred prior to January 1, 1998, the following points apply:

3	At-fault accident resulting in bodily injury or death; or property damage of $2,000 or more - "major accident"
2	Property damage between $1,000 to $2,000 - "intermediate accident"
1	Property damage only of $1,000 or less - "minor accidents"

No SDIP points will be charged for:

• An accident provided:
  • there is property damage only
  • amount of damage is $1,000 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 months.

• Speeding 10 mph or less over the posted speed limit; provided:
  • the violation did not occur in a school zone:
  • there is a clean driving record for the previous three years (a single 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, provided there are no other PJC's incurred during that time.
• Only the higher of the accident or violation points will be charged when a person is convicted of a violation in conjunction with an accident.
• Damage by animal or fowl contact; also flying gravel or falling objects.

  
  

  $ Insurance Points Will Cost You Money! $

  Points	% Rate	Cost if Basic Rate is $300	Points	% Rate	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

  Experience Period: The three years immediately preceding the date of application of the preparation of the renewal

  
  

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