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Contact the Law Offices of James Scott Farrin
1-866-900-7078
Contact the Law Offices of James Scott Farrin 1-866-900-7078

What is the difference between my DMV record and points on my insurance policy?

Confused2_07082014Many people are confused about how the information on their driving record may differ from what is found on their insurance policy. The points you accrue on your North Carolina driving record may not be the same as the points your insurance company assigns to your policy to determine your rates.

As North Carolina Personal Injury Attorney Michael Jordan explains, the North Carolina Division of Motor Vehicle (NC DMV) assigns points to your driver's license when you are found at fault in an accident or are found guilty of a traffic violation, such as speeding or running a red light. If you accumulate a certain number of points, you can have your license suspended or revoked.

Some common violations and their points include:

• Failure to stop for a stop sign or siren: 3 points
• Speeding more than 55 miles per hour: 3 points
• Reckless driving: 4 points
• Hit and run (property damage): 4 points
• Passing a stopped school bus loading or unloading children: 5 points
• Aggressive driving: 5 points

If you get 12 or more points within a 3-year period, your license may be suspended for up to 60 days.

The Department of Insurance determines the points that are used to calculate your insurance rates, and these points are completely separate from the points the NC DMV uses. The points your insurance company uses are based on accidents, liability claims against you, and any other incidents in which you were found at fault and your insurance company had to pay a claim.

Under this system, it is possible to have a ticket dismissed and to not receive any points on your driving record but to still have points counted against your insurance policy.

Of course, the best way to keep your insurance rates down is to practice safe driving and to maintain a clean driving record.

North Carolina Personal Injury Lawyers

If you have been injured in an accident, you may be entitled to legal compensation for your injuries. Contact the Law Offices of James Scott Farrin at 1-866-900-7078 for a free evaluation of your case to find out if one of our North Carolina personal injury lawyers may be able to help you.

Top 5 Auto Insurance Myths

The rules governing your auto insurance policy can be complicated, and most consumers don't take the time to thoroughly review their policies and ask questions to clarify their coverage. As a result, many drivers make certain assumptions about their insurance coverage. These assumptions are perpetuated as auto insurance myths.

Here are the top 5 auto insurance myths we hear when talking to clients:

I Have Comprehensive Coverage, so My Car is Covered for All Types of Damages

Despite what its name suggests, comprehensive coverage only covers certain types of damages to your vehicle, including things like fire, hail storms, theft and vandalism. You must purchase additional insurance to cover other types of damages, such as collision coverage for damages caused in an accident or uninsured motorist coverage for damages caused in an accident with an uninsured driver.

Car Theft_06132014Many drivers refer to "full coverage," as well as comprehensive coverage, in claiming to be covered against all damages. However, there is no one type of insurance coverage that protects against all damages. It is very important to have a copy of your insurance declaration page when talking with a personal injury attorney about your coverage after you've been in an accident.

If Someone Else is Driving My Car and an Accident Happens, I'm Not Liable

Unfortunately, you could be responsible for any damages caused by your vehicle, even if you are not driving at the time. The car insurance you carry for your vehicle could be considered the primary insurance, which would be used to cover damages in the event of an accident. However, if the damages exceed your coverage limits, the insurance policy held by the person driving may then be used to cover the remaining costs.

I am Automatically Covered for a Rental Vehicle Under My Personal Insurance Policy

While your personal auto insurance policy may cover some damages when you are driving another vehicle, you should not count on it providing coverage for a rental vehicle. There is a lot of fine print regarding what is covered when you are behind the wheel of another vehicle and under what circumstances. It's always best to purchase a policy that covers your rental car specifically when you pick it up.

Insurance Claims Will be Paid Fully and Promptly

If this were always the case, we wouldn't be in business. Unfortunately, we have seen that insurance companies will try to dispute coverage and deny claims. That's why it's always a good idea to talk to an experienced personal injury lawyer after you've been in an accident. A qualified personal injury lawyer can advise you of your legal rights and try to ensure that you get the benefits to which you are entitled under the law.

My Insurance Company is Loyal to Me

Again, this is something that we've seen is not always true, unfortunately. Even your own insurance company can wrongfully deny your claim for coverage. It is important to talk with an experienced personal injury attorney who can help you fight for your rights and try to get the compensation that you may deserve for your injuries.

Make sure that you aren't counting on unfounded insurance myths if you are in an accident. Protect yourself by reviewing your insurance policy thoroughly and asking questions about anything that is unclear. Consult with a personal injury lawyer to learn about your rights under the law if you have been injured in an accident. The North Carolina personal injury lawyers at the Law Offices of James Scott Farrin may be able to help you if you have been injured in an accident. Call 1-866-900-7078 for a free evaluation of your case.

Contact Information

Raleigh Law Office

5848-100 Faringdon Place
Raleigh, NC 27609
Phone: 919-834-1184
Toll Free: 1-866-900-7078

Durham Law Office

280 South Mangum Street, Suite 400
Durham, NC 27701
Phone: 919-688-4991
Fax: 800-716-7881

Fayetteville Law Office

517 Owen Drive
Fayetteville, NC 28304
Phone: 910-488-0611
Toll Free: 1-866-900-7078

Charlotte Law Office

201 McCullough Drive, Suite 220
Charlotte, NC 28262
Phone: 704-599-1078
Toll Free: 1-866-900-7078

New Bern Law Office

1505 South Glenburnie Rd, Unit P
New Bern, NC 28562
Phone: 252-634-9010
Toll Free: 1-866-780-3422

Greenville Law Office

702 G Cromwell Dr.
Greenville, NC 27858
Phone: 252-355-5205
Toll Free: 1-866-780-3227

Greensboro Law Office

300 N. Greene Street, Suite 850
Greensboro, North Carolina 27401
Phone: 336-665-7072
Toll Free: 1-866-900-7078

Goldsboro Law Office

214 South William Street, Suite 3
Goldsboro, NC 27530
Phone: (919)-731-2581
Toll Free: 1-866-900-7078

Henderson Law Office

514 Dabney Drive, Suite 200
Henderson, NC 27536
Phone: 252-492-4600
Toll Free: 1-866-900-7078

Roanoke Rapids Law Office

709 Julian R. Allsbrook Highway
Roanoke Rapids, NC 27870
Phone: 252-537-9670
Toll Free: 1-866-900-7078

Rocky Mount Law Office

3202 Sunset Avenue, Suite B
Rocky Mount, NC 27804
Phone: 252-937-4730
Toll Free: 1-866-900-7078

Sanford Law Office

703-B South Horner Boulevard
Sanford, NC 27330
Phone: 919-775-1564
Toll Free: 1-866-900-7078

Wilson Law Office

2315 Airport Blvd Suite A
Wilson, North Carolina 27896
Phone: 252-246-9090
Toll Free: 1-866-900-7078

Winston-Salem Law Office

301 N. Main Street, Suite 2409-C
Winston-Salem, NC 27101
Toll Free: 1-866-900-7078