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call US at (704) 759-6110

10550 Independence Pointe Pkwy, Ste 200
Matthews, NC 28105

(704) 759-6110

Semirog Law Firm, pllc is a personal injury and auto accidents law firm located in Charlotte and Matthews, North Carolina.   We are committed to providing quality legal services in a dedicated and cost-effective manner to all members of our community, regardless of race, gender, or national origin.

We have handled complicated litigation in the areas of personal injury, car wrecks, truck accidents, family and business law.  In addition, we have experience in real estate law and short-sale negotiations.

We offer standard and flexible billing arrangements for our clients, such as flat fee billing, hourly billing, and contingency fee billing depending on the type of legal matter.


Matthews North Carolina personal injury and auto accident attorneys and Charlotte North Carolina personal injury and auto accident and car accident and motorcycle accident attorneys.

Read our blog where we post recents news in developments in the personal injury and car and auto accidents law in North Carolina.  Learn interesting facts and legal concepts that will help you in your daily life.

Auto Insurance Points Explained

Serge Semirog

In this exciting Newsletter, we will take a look at the North Carolina Department of Insurance (NCDOI)'s Safe Driver Incentive Plan.  The goal of this program is to "give drivers a financial incentive to practice safe driving habits."  In reality, the NCDOI is punishing bad drivers and putting it into strict monetary terms that anyone can understand.  

This point system should not be confused with the Department of Motor Vehicle (DMV)'s point system (found on page 29 of the NCDMV Driver's Handbook, the accumulation of which can result in a license suspension.  The Safe Driver Incentive Plan specifically deals with insurance rates and convictions of certain offenses can increase your insurance by 30% or even up to 340%.  You can see a striking example in an article we published in June of 2013; the program has not changed much since then.  

When you go to apply for coverage or to renew your insurance policy, the company takes into consideration the past three (3) years, or the "Experience Period."   

For a detailed breakdown of the point system, please see below:

By Serge SemirogGoogle +