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I live in SC and I got a speeding ticket in NC 60/35. I was driving with learners permit and I was asked to pay a fine of $415. How will it affect me, my learners permit and insurance?

North Carolina and South Carolina are both members of the Drivers License Compact (DLC) which means that the North Carolina courts will inform the South Carolina Department of Motor Vehicles about this out of state speeding ticket if you pay and are convicted of it.

The South Carolina Motor Vehicle Code allows for out of state violation convictions to be recorded against the SC licensed driver if the violation matches up to a violation in South Carolina. A speeding infraction for 25 m.p.h. or above the posted limits is 6 points in South Carolina.

According to the driver's manual of SC if you have a learner's permit your driving privileges will be suspended for six months if you receive traffic violations totaling six or more points. Thus this NC ticket could mean a suspension of your SC if you receive these points

Since this NC violation will show up on your SC driving record, your insurance company could see it next time they pull your MVR. According to the South Carolina Department of Insurance, all insurance companies use a uniform merit rating system for auto insurance purposes. It is based on convictions for moving violations and/or accidents.

The first point assigned to each vehicle eliminates the safe driver discount. Each point in excess of one has an annual surcharge of $20 for liability and $20 for collision. The merit rating system is different than the DMVs driver license points so check with the SC DOI to get more information on this merit points system and see if your will get a point assigned for our the out of state move over violation.

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This car insurance answer was last updated 1:35 PM Apr-17.
This helpful tips question was asked 10:50 PM Apr-08-2007.
Ramesh requested this car insurance help from CarInsurance.com experts.
Rated 6 out of 10 based on 3 votes.
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