The North Carolina Safe Driving Incentive Plan (SDIP) was created in 1957 by the NC Department of Insurance, to give NC drivers a financial incentive to drive safely.
SDIP functions with points, however, these are not to be confused with the more commonly known “Points on your license”. These points are added, when you are convicted of speeding, get a DUI, or get into an accident, among other things. One thing to keep in mind- when license points are not added, or removed, they may still be added or present on your SDIP MVR.
What Amount of Points Will Be Added For Violations?
Below is a table that shows the violation, and amount of points for the violation, as well as the percentage to which your insurance rate could increase.
Convictions / Accidents
Percent of Rate Increase
- Manslaughter or negligent homicide.
- Highway racing or knowingly lending a motor vehicle for highway racing.
- Driving during revocation or suspension of license or registration.
- Reckless driving.
- At-fault accident resulting in death or total bodily injury (to all persons) of more than $1,800; OR resulting in total property damage (including damage to insured’s own property) of $3,850 or more.
- Illegal passing.
- All other moving violations.
How Long Will I Have Points?
Points last for 3 years, and will remain until the next renewal, after the 3 years is up, before it will stop affecting premium.
When are Points Not Charged?
An accident provided all the following are true:
-There is property damage only;
-The amount of damage is $2300 or less
-There is no conviction for a moving violation in connection with the accident
-No licensed operators in the household have convictions or at fault accidents during the experience period. (An insurance company may require the insured to be covered by that company for six consecutive months.