Exception in rendering!

Message: window is not defined

ReferenceError: window is not defined
    at new c (/tmp/execjs20161208-99848-18dkhnojs:136:3912)
    at m.mountComponent (/tmp/execjs20161208-99848-18dkhnojs:47:15602)
    at /tmp/execjs20161208-99848-18dkhnojs:49:31860
    at a.r.perform (/tmp/execjs20161208-99848-18dkhnojs:47:12503)
    at Object.a [as renderToString] (/tmp/execjs20161208-99848-18dkhnojs:49:31821)
    at r (/tmp/execjs20161208-99848-18dkhnojs:50:21164)
    at Object.S.ReactOnRails.serverRenderReactComponent (/tmp/execjs20161208-99848-18dkhnojs:32:6073)
    at eval (eval at <anonymous> (/tmp/execjs20161208-99848-18dkhnojs:173:8), <anonymous>:10:23)
    at eval (eval at <anonymous> (/tmp/execjs20161208-99848-18dkhnojs:173:8), <anonymous>:17:3)
    at /tmp/execjs20161208-99848-18dkhnojs:173:8

Insurance Requirements for Car Registration in North Carolina

Insurance Requirements for Car Registration in North Carolina

The North Carolina Department of Transportation requires that all drivers in North Carolina carry automotive liability insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for North Carolina drivers are as follows:

  • A minimum of $30,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

  • A minimum of $30,000 per person, for uninsured or under-insured motorist coverage. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $145,000 to cover bodily injury, property damage, and uninsured or under-insured motorist coverage.

Proof of insurance

You must be able to provide proof of insurance when you register a vehicle, and when asked by a police officer at a traffic stop or at the scene of an accident. Acceptable forms of proof of insurance include:

  • Your insurance policy binder

  • An insurance card issued by an authorized insurance provider

  • Your insurance policy

  • A DL-123 form issued by an authorized insurance agent, certifying your insurance policy

Additionally, you may be required to file an FS-1 Proof of Insurance document if you have been suspected of letting your car insurance lapse. This document acts as proof that you did not allow your car insurance to lapse, and is submitted by an investigating insurance agent, who acts as a representative of the state.

Safe Driver Incentive Plan (SDIP)

In order to promote safe driving habits, the state of North Carolina operates the Safe Driver Incentive Plan, which can lower the cost of insurance for safe drivers, and increase the cost of insurance for unsafe drivers.

Violation penalties

If your insurance lapses for any reason while you are registered in the state of North Carolina, you will incur these penalties:

  • $50 fine for the first instance

  • $100 fine for the second instance within three years

  • $150 fine for future instances within three years

  • The license plates of the vehicle may be suspended or revoked

Reinstating driving privileges

If your license plates are suspended due to an insurance violation, you will be able to reinstate them after the 30-day suspension period by following these steps:

  • Pay the license plate fee

  • Pay the fees associated with the insurance violation

  • Submit an FS-1 Proof of Insurance document through your insurance agent

Canceling your insurance

If you need to cancel your insurance while your vehicle is in storage or being worked on, you must surrender your license plates to the North Carolina Department of Transportation before you cancel the insurance policy. If you cancel the insurance policy first, you will incur an insurance violation fine.

For more information, contact the North Carolina Department of Transportation through the MyDMV website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Post a question and get free advice from our certified mechanics.

ASK A QUESTION

More related articles

P0121 OBD-II Trouble Code: TPS "A" Circuit Range Performance Problem
P0121 code definition Throttle Pedal Position Sensor/Switch (TPS) A Circuit Range Performance Problem What the P0121 code means P0121 is a generic OBD-II code which indicates that the Engine Control...
P0052 OBD-II Trouble Code: HO2S Heater Control Circuit High (Bank 2 Sensor 1)
P0052 code definition HO2S Heater Control Circuit High (Bank 2 Sensor 1) What the P0052 code means This code is seen when the Engine Control Module (ECM) tries to control the...
Insurance Requirements for Car Registration in Kentucky
The Kentucky Transportation Cabinet requires that all drivers in Kentucky carry liability automotive insurance, or “financial responsibility” in order to operate a vehicle legally and maintain vehicle...


Related questions

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....

Q: Hit a car and want to know the best way to go about this persons repair.

This would all depend on the extent of the damage caused by the accident. If the paint damages on a very large surface it would probably be best to go through the insurance company to make sure it gets repaired...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...