Back To School Time In Charlotte -- Don't Risk Your Insurance Premiums

By
Real Estate Agent with Coldwell Banker Realty

 

The First Day Of The 2019/2020 School Year In Charlotte Is Tomorrow.

 Drive Safely.

Big Insurance Penalties For Ignoring School Zone Traffic Laws.

 

Schools in the Charlotte metro area are back in session tomorrow. That alone is a good reason to drive safely and responsibly. But did you know how high the Charlotte and North Carolina penalties are if you don't obey traffic laws in schools zones, such as driving over the speed limit or passing a stopped school bus?

 

Charlotte Schools Open: Drive CarefullySpeeding in a school zone is punished more harshly than speeding in other areas in town. North Carolina law gives municipalities the right to set school zone speed limits, however they can't be set below 20 miles per hour. In Charlotte, school speed limit zones are set at 25 miles per hour. The speed limit zones go in effect 45 minutes before school begins and 15 minutes after school begins. It then starts again 15 minutes before school lets out until 30 minutes after the school day ends.

 

Clearly, these traffic laws are in place to protect our school children.  But what you may not know is that North Carolina insurance companies will not waive points associated with speeding in school zones. In North Carolina, we are not talking just points on your driving license or about a one-time fine for an offense. What we are talking about are penalties that really hit your wallet HARD for a long time:

  • A minimum 30% increase in your auto insurance premiums for five years for a conviction for speeding in a school zone at any speed above the posted limit. Speeding through a school zone adds 3 points to your license. One point can increase your rate by up to 30%, while 3 points can increase your rate by as much as 60%.

  • An 80% increase in your auto insurance premiums for five years for a conviction for passing a stopped school bus. 

  • The N.C. General Assembly increased the speeding penalty in school zones and on schoolproperty from $25 to $250. And did you know that if you drive more than 15 milers per hour over the limit in a school zone (or any where for that matter), you will be charged with a class 3 misdemeanor, which can carry an additional sentence of 1 to 20 days in jail.

  • Besides potentially having your driver’s license suspended and seeing the costs of your insurance premiums skyrocket, if you are convicted of speeding in a school zone in Charlotte, you'll have additional court costs of $188 (that's on top of the $250 fine).

 

For more informatiou about the North Carolina School Zone Laws, click here.

 

For more information about North Carolina drivers licenses and points and how they impact your insurance, click here.

 

So make sure you follow the driving/speed laws in school zones... you'll help keep Charlotte kids safe and you'll keep your insurance premiums down. 

 

Keeping Car Insurance Costs Down

 

This information about the high cost of insurance premium hikes for violating driving laws in Charlotte's school zones is provided by Nina Hollander/Carolinas Realty Partners with Coldwell Banker, your Charlotte metro area residential real estate experts.

 

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Posted by

 

 Nina Hollander, RE/MAX Broker, Realtor

 

 

 

Broker, Realtor, MBA, GRI, ABR, SRES, CDPE, SFR, SPS, CMRS
Carolinas Realty Partners with Coldwell Banker Realty
Direct: 704-779-0813
Website: www.GreatHomesInCharlotte.com
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Disclaimer:  Nothing in this blog article is to be construed as legal advice, tax advice, or financial advice.  For legal advice see an attorney.   For tax advice or financial advice see a tax attorney, certified public accountant, or other qualified professional.

 

Comments (26)

Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400 hi Sheila and Larry... I very much believe that if drivers knew how expensive it is to break the law in school zones, they would think twice about doing it.

Aug 25, 2019 06:10 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Grant Schneider hi Grant... police here are also increasingly looking to make sure that seat belts are fastened by passengers in school zone and that people aren't getting distracted by cell phone use.

Aug 25, 2019 06:10 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Ron and Alexandra Seigel hi Alexandra... ain't that the truth! I often say there are those people in this world who believe the rules apply to everyone else but them. 

Aug 25, 2019 06:11 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Matthew Klinowski, PA good morning, Matt... I totally agree... although you know there will be those who will still ignore all the rules until they are caught and pay a hefty price for it.

Aug 25, 2019 06:12 AM
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Good morning, Nina - following safety rules is always "in session" and especially as students return to school.  

Aug 25, 2019 07:20 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Michael Jacobs hi Michael... it's always an adjustment when school first starts to remember to slow down to 25 in the school zone after driving 35 for three months.

Aug 25, 2019 07:24 AM
Jerry Newman
Brown Realty, 210-789-4216,www.JeremiahNewman.com - San Antonio, TX
Texas REALTOR, San Antonio Military Relocation

Good Morning, Nina. Good driving habits and safety in school zones should always be practiced by everyone. The children are our future, and being safe and cautious in those school zones in a MUST. 

Aug 25, 2019 07:59 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Jerry Newman hi Jerry... what must or should be done is often what is not done. Some of the least safe driving I've seen even inside my neighborhood is by Moms with kids in their cars!

Aug 25, 2019 08:26 AM
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

That might seem expensive until you realise how much a life of a child is worth Nina Hollander 

Aug 25, 2019 08:31 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Nina,  I guess I am aware of school zones in our area and know SLOW DOWN.  

Aug 25, 2019 09:17 AM
Sheri Sperry - MCNE®
Coldwell Banker Realty - Sedona, AZ
(928) 274-7355 ~ YOUR Solutions REALTOR®

WOW, Nina Hollander - some sage advice for drivers in the Charlotte area.  Of course, I am sure that is for the entire state - 3 points are huge but are well deserved if you don't obey the school zone traffic laws.  I am glad to see the strict enforcement for passing a stopped school bus. Some of our Arizona districts are adding cameras to the side of the buses but the law is not as strict (but it should be)!

Aug 25, 2019 09:42 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Paul S. Henderson, REALTOR®, CRS hi Paul... and we've lost a few children in the Charlotte area as a result of speeding drivers. Everyone goes crazy for a while, they reduce the speed limit and before you know it, cars are speeding again. Makes me crazy.

Aug 25, 2019 11:45 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Will Hamm hi Will... it amazes me how many people don't really slow down and think the flashing light to slow down is a suggestions and not a requirement.

Aug 25, 2019 11:46 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Sheri Sperry - MCNE® hi Sheri... I know that the police department will be blanketing Charlotte tomorrow when schools start.... I heard on the news today how they have been preparing for the first week of school. They won't be kidding around with citations.

Aug 25, 2019 11:48 AM
James Dray
Fathom Realty - Bentonville, AR
Exceptional Agents, Outstanding Results

Afternoon Nina.

And I thought our laws were harsh, frankly I don't think they are harsh enough.  However, when it comes to a childs safety they are all not harsh enough

Aug 25, 2019 12:18 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

James Dray hi James... I'm a big believer in big penalties for egregeous disregard for driving laws that put people's lives at risk. In Japan the first time you get caught driving under the influence your license is taken away for ever... guess what... people there don't drink and drive.

Aug 25, 2019 12:50 PM
Kathy Streib
Cypress, TX
Home Stager/Redesign

Hi Nina- excellent reminder for this time of year when our children are headed back to school. There's a school zone near our house and there are large signs warning that it is a no cell phone usage zone as well. 

Aug 25, 2019 06:07 PM
Endre Barath, Jr.
Berkshire Hathaway HomeServices - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

Nina what a great post and it is sad that you have to write this, that drivers are not smart enough, caring enough or just plain concerned enough...Endre

Aug 25, 2019 11:22 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Kathy Streib hi Kathy... we don't have the no cell phone usage signs here, as yet, but I suspect we will at some point in the future.

Aug 26, 2019 05:57 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Endre Barath, Jr. good morning and thanks, Endre. And I totally agree with you... it's sad that these kinds of reminders are even needed.

Aug 26, 2019 05:57 AM