DMV vs. Insurance Points

If you are charged with a traffic ticket in North Carolina, it may cause you to accumulate two types of points on your record.  The first type are called DMV points which are recorded on your driving record.  The second are insurance points which will be determined by your insurance company.  Typically, when you acquire a certain amount of DMV points, there will also be insurance points involved.

When you commit traffic violations, the NC DMV records them on your driving record using a point system.  This system converts different types of traffic violations into varying numbers of points to accumulate on your record.  According to, if you accumulate too many points, you run the risk of:


  • ·         Driver’s license restrictions
  • ·         Driver’s license suspension, revocation, or cancelation
  • ·         Required driver improvement/defensive driving courses
  • ·         Fees and fines to the NC DMV and/or the traffic court


Drivers in North Carolina acquire insurance points if they are convicted of a traffic violation (such as speeding) or are at fault in an accident within a 3 year period.  If you allow insurance points to accumulate on your record, the premium that you pay will go up.  Insurance rates are based on other factors, but accumulated insurance points will result in an additional charge to your insurance premium.


Allowing points to accumulate on your driving record is costly! It is possible that your insurance will go up and/or your license can be suspended or revoked, leaving you to pay fines and fees.  If you have been charged with a traffic violation in Wake County please call The Law Offices of Wiley Nickel today at (919)-948-7159.


Wiley Nickel

Wiley Nickel lives and works in Cary, North Carolina. In 1998, he graduated from Tulane University with a major in Political Science and a minor in History. After college Wiley went to work for Al Gore and travelled with the Vice President as part of his national advance staff. Following the Gore campaign he earned his law degree from the Pepperdine University School of Law in 2005. While in law school Wiley worked as a law clerk in the Ventura County District Attorney’s Office where he gained valuable criminal trial experience before taking and passing the California bar exam. His first job out of law school was for the Merced County District Attorney’s Office where he worked as a Deputy District Attorney with a focus on prosecuting DWI offenders. Wiley later joined the Law Offices of Joseph Uremovic where he focused on civil litigation and family law. When the opportunity came to join the Obama campaign in 2008 Wiley jumped at the chance. He spent three years travelling with President Obama as a member of his national advance team. In 2011 Wiley left his work for the White House to return to the practice of law. Wiley devotes the majority of his practice to the areas of criminal law, family law, traffic tickets and DMV issues. The Law Offices of Wiley Nickel was started with the goal of providing the best representation possible for all of his clients. Experienced, Compassionate, Aggressive Criminal Defense While defense attorney Wiley Nickel works as the primary attorney for all of his cases, he does have an associate attorney, a team of investigators, forensic consultants, and support staff to call on to help achieve the best possible result in every case. He limits his case load so that he can focus on providing the best possible legal defense to all of his clients. Every case is a top priority and the goal is to have your case dismissed with a focus on being able to expunge your charges at the end of the process. When he is not working, Wiley is an avid family man, distance runner and golfer. He loves North Carolina college sports and is hoping this is the year for Cam Newton and the Carolina Panthers. Wiley is licensed to practice law in North Carolina and California.