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About Nc Car Insurance Laws


Nc car insurance laws apply to all drivers in the state. Having vehicle insurance is a common practice that every person should consider. Like the car insurance trend goes, the laws are different from state to the other in terms of the minimum coverage and penalties. Nc car insurance laws are practiced with a variation as well.


Over many years, automotive insurance have been practiced. This is mostly meant to cover for accidents that occur in every region. In most countries, there are the laws set for car insurance and the penalties for the same. This insurance must be carried by every person while on the road. There are various laws set on nc car insurance as well as the penalties.


The laws on nc car insurance start with the minimum liability coverage levels. These levels are set by the state and are usually in three forms. In North Carolina State, the minimum liability levels are $30,000 for death or bodily injuries for a person in an accident, $60,000 for death or bodily injury of two or more individuals and $25,000 for overall damage caused on property during an accident.

Nc car insurance laws also state that every driver must carry the minimum liability coverage. This is mandatory for every vehicle including the rental cars. The proof of insurance is another factor that all drivers in North Carolina should consider. These are the two main aspects of nc car insurance laws that are mandatory.

On failure to produce the proof of nc car insurance, there are related penalties set. On lapse of the insurance coverage, a driver must respond within the next ten days. Failure to response, a driver faces penalties such as losing license plates for a period of thirty days. After this period, the driver must then re-license by paying some fees. The fees include a penalty fee and that of acquiring a new license plate.

When a driver calls for re-licensing, nc car insurance requires that they provide proof of insurance coverage obtained from the insurance agent responsible. This is additionally to a restoration fee of $50 and another $50 to cater for service fee. The license plate fee is also to be met at this point.

The penalties imposed by laws on nc car insurance become more hostile with the offence. If a person is involved in an accident with no insurance, then they have to face stiff penalties. This includes driver’s license suspension and 3 points on driving record.

The nc car insurance laws follows the Tort system. This implies that when an accident occurs, then a driver must be found at fault. When at fault, the driver is responsible for all damages caused in the accident. These are covered by the person’s insurance company. For this reason, nc car insurance companies require drivers to carry higher coverage.

Tips and comments

There are other nc car insurance coverage types that a driver could consider purchasing. These include the collision coverage, comprehensive coverage and others. These are the common coverage types that drivers should consider.

By SAMUEL MUHIA, published at 03/20/2012
   Rating: 4/5 (11 votes)
About Nc Car Insurance Laws. 4 of 5 based on 11 votes.