Hit and run driving involving bodily injury or death Pre-arranged highway racing or lending a car for such purposeĭriving a commercial vehicle with a BAC of. It is important to know that all coverages are surcharged, not just liability coverages. Only the driver convicted of the traffic offense or found at fault in an accident is given points (unless the operator is a listed driver on the owner’s policy i.e. Upon conviction of certain traffic offenses, insurance points are assigned to a driver and based upon the number of points, the total premium for all coverages, except UM/UIM, would be surcharged. As to listed drivers and drivers in the household, if their points have already been used in surcharging the premium on another policy, there will be no further surcharged on any other policy. Keep in mind the points are assessed against a policy based upon the points on the named insureds, listed drivers, and drivers in the households. 58-36-75 provides the statutory basis for the SDIP. The North Carolina SDIP also applies to motorcycles and motorized scooters. A safe driver insurance plan (SDIP) represents an attempt to reflect in automobile insurance rating the proposition that, in the aggregate, drivers who have violated the motor vehicle laws, or who have caused one or more accidents in the past, are more likely to be involved in automobile accidents in the future.
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