North Carolina Auto Insurance Guide 2022
From the heart of Charlotte to the foothills of the Appalachians, the Blue Ridge, and the Great Smoky Mountains, these routes cover it all. More than 6.5 million licensed motorists use them annually, logging an average of more than 10,700 miles. Every year, hundreds of those drivers are engaged in traffic accidents, many of which end in significant bodily harm or even death.
Having valid auto insurance in the Tar Heel State is not only the law but also good sense. Listed here are the minimum coverage levels required by law in the state of North Carolina for your car.
Minimum liability coverage is mandated by law in the state of North Carolina. The consequences for not doing so are severe and may include monetary fines and jail time. In addition to paying for the victim’s medical bills and property repairs, you might be held financially responsible for their mental and physical anguish under North Carolina’s tort system.
North Carolina law mandates that you keep proof of insurance in your vehicle and produce it upon request from a law enforcement official. Serious consequences may ensue from failure to comply. The standard penalty for a first infraction is $50, which must be paid within 10 days or the driver’s license will be suspended.
If you don’t follow the rules, you’ll have to pay a $50 restoration cost, a $50 service fee, and a license plate fee in addition to having your license suspended for 30 days.
Driving and insurance regulations are subject to continuous revision. The onus is on you to be aware of the most recent changes to North Carolina law. Recent legislation passed in North Carolina might have an impact on your choice of insurance.
Additional insurance, such as bodily injury or property damage liability, is not mandated in North Carolina. Having more than the bare minimum might help you avoid financial disaster if you own property or other important assets.