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How Online Speeding Ticket Reductions Impact your Insurance Premium

There is a new pilot program available for drivers with speeding tickets in North Carolina, allowing them to “argue down [their] speeding ticket online, without waiting for hours at the courthouse or hiring an attorney.¹”

This could be a great option for those that do not want to hire an attorney and/or do not want to go into court.

But how does this effect your insurance premium?

Here’s how the new system works: After receiving a ticket, go to onlineservices.NCcourts.org no later than a week before your scheduled court date. Any speeding ticket must be between 10-19 mph over the posted limit and under 80 mph. The DA will then either drop the speed to 9 mph over the limit, replace the speeding ticket with one for improper equipment, or deny the request. New fines must be paid online by midnight of the assigned court date or the offer expires. If the DA denies your request, your original court date will still stand.

How much will the original ticket INCREASE my insurance premium?

The information above, compiled by charlottestories.com, states that the original ticket must be between 10-19 mph over the posted limit, but under 80mph. Per N.C Department of Insurance Safe Driver Incentive Plan (SDIP) a ticket of this nature would count as either 2 or 4 points.

  • Speeding more than 10mph over the speed limit at a total speed of more than 55mph and less than 76mph counts as 2pts and can increase your insurance premium up to 45%.
  • Speeding in excess of 75mph when the speed limit is less than 70mph counts as 4 points and can increase your insurance premium up to 80%.

How much will reducing the charge SAVE on my insurance premium?

Taking these increases into consideration it is definitely in your favor to request a reduction with the court. Per the information above there are 2 reduction results available: Reducing the speed to 9mph over the limit or replace the speeding ticket with an improper equipment, per the SDIP these could result between 0-2 points.

  • Speeding 10mph or less over a speed limit under 55mph counts as 1pt and can increase your insurance premium up to 30%.
  • Speeding 10mph or less over the speed limit in a speed zone of 55mph or higher counts as 2pts and can increase your insurance premium up to 45%.
  • There is not a line item for ‘improper equipment’ on the SDIP guide, as such most insurance carriers will not assess points to your premium.

Should I hire an attorney?

It is up to you whether or not you file the reduction your self online, in person, or hire an attorney.

What’s Next?

We plan to write another blog regarding how the SDIP works in relation to your insurance policy. In the mean time you may reference the NC Department of Insurance’s website or call your agent with any questions.

 

>Craighead, A. (2021, November 8). Mecklenburg Drivers Can Now Get Their Speeding Tickets Reduced Online. Charlotte Stories. Retrieved November 8, 2021, from https://www.charlottestories.com/mecklenburg-drivers-can-now-get-speeding-tickets-reduced-online/?fbclid=IwAR3NiC8Go-g7PqBSaNsBo4-HvJEW-53h2D6EE2bHPF3ZTl6EjpzBkn2CW9w.

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