North Carolina Car Insurance

North Carolina

You must carry at least liability car insurance when you are a vehicle owner in North Carolina. You must also carry continuous coverage as long as your registration is active. When you need you register and title your vehicle you must be able to show proof of North Carolina car insurance. You must be able to provide an identification card that states your company name and policy number, or if you are covering yourself for car insurance, you must provide your company name and policy number. You must have liability limits of 30/60/25 in order to be following the state law requirements in North Carolina. If you happen to have a lapse in coverage for your liability car insurance in North Carolina, you may be subject to losing your license plates and having to pay a fine. Once you have been flagged, for not having continuous car insurance coverage you will receive a letter in the mail from the local DMV that asks for all the information about your car insurance. If there has been a mistake you can just fill out the form and resubmit it within 10 days. If there was in fact a lapse in your car insurance coverage, you will have to reapply, pay a fee, and still respond to your letter within 10 days. Failure to respond to this letter, could result in losing your license plate for 30 days, then you will have to pay a processing fee, penalty fee, and another license plate fee.
In order to get around from all this trouble, please make sure you stay covered by at least the minimum amount of car insurance at all times. If you must have a lapse in coverage, make sure you terminate, or turn in, your license plates. This way you won’t have to worry about paying outrageous fines, or risk having your plates canceled! To learn more about the laws and rules of having car insurance in North Carolina, please feel free to give our agents a call at 866-526-9669. You can also fill out the online quote form to begin getting the car insurance quotes you need.