North Carolina Auto Insurance - (NC)

It hadn't always been the case that auto insurance was required in order to operate a motor vehicle in every state in the U.S. At that time, accidents were usually either handled personally by the two persons involved or if one of them bothered to carry insurance, they found themselves in a better position to help themselves or help others who may have been involved in an accident. That freedom to go without insurance, however, diminished very quickly in the 1980s and North Carolina was one of the first states to mandate minimum levels of liability insurance on all registered vehicles.

Insurance must be provided by a business licensed to insure in North Carolina, and you must provide the proof of insurance sent by that company, or if you are self-insuring through your own company, you can maintain proof of coverage that way as well.

Coverage Minimums

• All registered vehicles in the state must carry at least the minimum levels of liability insurance
• The Minimum levels of insurance required are: $30,000 for bodily injury for one person and $60,000 for injury to more than one person per accident as well as $25,000 coverage for damage done to property.
• The law stipulates that you must carry proof of your insurance coverage in the vehicle at all times.
• Your insurance company must notify the state if there is a lapse in your coverage for any reason

Possible Penalties for Driving Uninsured

If there is a lapse in your coverage you will receive a form notice from the state DMV that you must respond to within 10 days. If there has been a bona-fide lapse in coverage, you will have to pay a $50.00 fine. If there was no lapse (such as switching auto insurance providers), than you must provide proof of continuous coverage on the form and resubmit within the 10 days.

Failure to respond within 10 days will cause you to lose your license plate. In order to have it restored, you will have to pay to have your vehicle licensed again in addition to paying several fees.

Department Of North Carolina (NC) State Government That Regulates Auto Insurance:

How To Contact Directly:
Consumer Services Div.
North Carolina Dept. of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
Phone Toll Free: 1-800-546-5664
Phone: 1-919-733-2032
Fax: 1-919-733-0085

North Carolina (NC) Mandatory Auto Insurance Minimums

• Liability: 30/60/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory car insurance: First Offense = Fine of $50 and Driver's License Suspension for Thirty Days

How To File A Complaint About An Insurer:

How To File A Consumer Complaint About Insurance In North Carolina
Online Consumer Complaint Form

Or contact:
The Consumer Services Division: 1-800-546-5664