Under North Carolina law, there are two separate points systems dictating which charges carry what points, for both your license as well as your insurance. To make matters worse, the number of points assigned for violations are different for the driver’s license point system compared to the insurance point system. Therefore what might qualify as “really bad” under one, might not necessarily be that serious under the other.
The point system applied towards your license is used to determine at what point your license will be suspended.
The point system for insurance purposes (assessed under the N.C. Safe Driver Incentive Plan – SDIP) determines the percentage by which your insurance company may increase your rate due incurring points for traffic convictions; as much as 400%.