North Carolina Auto Insurance

North Carolina Auto Insurance questions and answers

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Q: living in north carolina, car has no auto insurance, what can happen?
my husband is in iraq and i dont have a license. we live in north carolina, our insurance currently ended on the 25th of february. i am planning on puttin insurance on it again i was just wondering can we get in trouble for not having insurance on the car? can his license get suspended? ive heard some things like this. just need some help. also we live on base. thanks a lot.

A: You need to surrender your license plates. Technically you are already in violation of North Carolina law by having a registered uninsured vehicle but I suspect they will be lenient if you explain that your husband was deployed, the car was not driven, and you were unaware of the regulations. Contact DMV immediately. You can then drop liability until your husband returns. You may want to retain comprehensive in case the car gets damaged even though it is not being driven. If the car is financed the finance company probably requires you to have comprehensive. Read the lapse of coverage section in the link.

Q: Is it the law in North Carolina to have auto insurance?
I am moving from florida and it is the law here. I was just wondering. Also, what is the penalty if you get caught without insurance?

A: Below is a FAQ's on North Carolina auto insurance laws: What type of automobile liability insurance am I required to have? According to North Carolina auto insurance law, you are required to have Bodily injury liability and Property damage liability. What are the minimum liability limits? According to North Carolina auto insurance law, the minimum amount of liability coverage needed for personal injury is $30,000 person and $60,000 per accident. The minimum amount of liability coverage needed for property damage is $25,000. This will usually appear on the policy in the form 20/60/25. Top When will I be required to present proof of Insurance? Never. Will my insurer required to verify the validity of my insurance policy? Yes. Your insurance company is required to inform the Department of Motor Vehicle if you cancel or fail to renew your auto insurance policy. What is more, insurers in North Carolina are required to submit thier entire list of insurance policies in force, which could be compared to motor vehicle registrations. The best way to get insurance information, though, is from a qualified insurance agent. I would suggest going to http://www.insureme.com/landing.aspx?Refby=614498&Type=auto. It’s a web site that offers insurance information & information on policies nationwide. It also gives you the option to call local agents to get any of your questions answered. This service is 100% free and you are not obligated to buy anything. It is simply a way to get insurance information and be able to instantly compare rates in your area to find the best price/coverage. Take care – Ron at InsureMe

Q: what is the cheapest auto insurance carrier in north carolina?


A: Insurance is very individual because it's based on your drivers record, sex, age, and a number of other variables such as location, credit rating and type of vehicle being insured. The easiest way to find the cheapest auto insurance in the USA is to fill one form at http://gsx1.com/InsuranceComparison.html This will compare all insurance companies in the USA and find which companies offer the best prices according to where you live and who you are so you are bound to find something that suits you, if it works out remember my points please :)

Q: North Carolina auto purchase and insurance laws...??
My mother, who lives in Florida, wants to buy a new car for me before I start commuting for school again. The vehicle I have now isn't very reliable anymore, to put it nicely. My mother's credit is impecable. Her Beacon score is over an 800. My credit is extended and although not bad, not nearly good enough to get the same deal she can on APR. So, the dealer has suggested that she buy the car outright to take advantage of the low APR. Adding me to the loan will not benefit her, at all! Problem is, NC has a "Straw Purchase" law. Now Im not sure what the exact contents of the law are, but I know it means that one person is not supposed to buy a car for another. Also, there is a law in NC that the vehicle insured, has to be driven by AND registered to the same person. So, I cant insure a car that my mother bought for me. And in NC, a dealer can't sell you a car unless you have insurance! How do I get around this?? I have to get a new car and my mother is not moving to NC anytime soon!

A: You can get around it if she buys it. My brother lived in SC and my parents in another state, and both of their names was on his car, their credit was better, so better rates also, just both names was on the title and registration. But the insurance was in his name only...no big deal. NC can't tell you that your mom can't buy you a car...that's crazy! Go to FL and do it. Buy it down there, then later on transfer everything to the "great state" of NC! Just make sure both your names are on the loan and registration!...Let the goffy NC dealer lose a sale!! :D

Q: Auto Insurance For Young Driver In Charlotte,North Carolina?
I am planning to buy a 2002 Nissan Sentra worth 7 Grand in the forth coming week.I am a new driver with learning permit .My age is 35 and I came recently from India. I am trying for Insurance in different companies like GEICO,STATE Farm etc.Everywhere I get quotes like 2000$ For 6 month premium for a decent coverage.I am looking for something around 1000 - 1200 $ for 6 months.I would expect a maximum liability coverage ,a limited uninsured coverage and Collision Coverage with a Deductible of 1000 $. Any Suggestions please ?

A: I don't know what state you are in but, first off, certain areas of the country have much higher insurance rates than others. This alone could be part of the problem. If you are getting similar quotes from insurance companies, that is probably in the area of what you can expect to pay anywhere. Being a new driver will greatly increase your premiums as well. I don't know how credit reporting works with other countries, but if you do not have established or good credit, this can also affect your premium as well. The car itself will also make a difference in the premium if you are carrying comprehensive and collision coverage. Even with $1000 deductibles, some cars are just very expensive to insure. Perhaps consider a different vehicle and see if that puts you more in your insurance price range. The amount of liability you are carrying is also obviously going to affect your premium. I'm not sure what your definition of maximum or minimum is so it's kind of hard to elaborate on this. Ideally, though, you would want your uninured/underinsured coverage to match your liability limits. That is for your protection in case you are severly injured by an uninsured/underinsured driver.

Q: In North Carolina, do I need proof of auto insurance to get my drivers license renewed?
The vehicle I drive is insured, just not in my name. A woman I know tried to renew her license and because she had purchased her insurance in Navada they wouldn't renew it. Any insight?

A: Here is information from the NC DMV: License Renewal / Replacement As of January 1, 1995, driver license renewal dates will vary by age due to a five-year license renewal program. Renewal: Before your license expires, the DMV will mail you a reminder card explaining the number of years it will be valid. The card is not required in order to renew. If you do not have your current or expired license at renewal, you will be required to show the examiner two documents of identification. In addition, proof of social security number is required. See the below link for more specific documentation and requirements information. Requirements: The vision and traffic sign recognition tests are always required for a license renewal. The road test requirement is at the discretion of the Examiner. Compare Auto Insurance: http://www.insureme.com/landing.aspx?Refby=614996&Type=auto Ron @ InsureMe

Q: Geico and North Carolina?
I called Geico today about my auto insurance. I am selling my car and wanted to find out what procedure I have to take with Geico to cancel my policy once I sell my car. Surprisingly, the representative told me that even if I sell my car and cancel my car insurance, North Carolina requires every resident with a NC driver’s license to have individual/personal liability insurance coverage and it is a little over $51 a month. Is anyone else from NC who can verify this? Just to have a driver’s license even without a car, I’m supposed to have insurance coverage? I told the representative that this was absurd and I’ve never heard of this before. Is Geico trying to scam me out of unnecessary charges or is personal liability coverage true even without a car?

A: Where's Queen Bee when you need her????

Q: I often drive a friend's car. What companies offer "Non-car owner" auto insurance?
Everywhere i look online just offer "get a quote" then you have to enter a type of car. I don't own a car but I need insurance to take my driver's test in North Carolina. I couldn't find this type of insurance offered on any websites.

A: You are looking for a nonowner policy. This however, will NOT cover you for a vehicle you drive on a regular basis (your friend's vehicle you drive "often"). Insurance follows vehicles, not drivers so any vehicle that is insured (& the ID card & registration are in the glove compartment) will be fine to take the driving test with. If you are taking it in your friend's car, be sure he or she is with you when you go. If you will be a regular driver of the car (Progressive says if you drive it more than 12 times per year), you will need to be added as a driver to that policy, even if you are not in the same household.

Q: how to become an insurance agent?
can someone tell me what i need to do to become an auto insurance agent in north carolina and how much i can expect to make in the first year.

A: Here is a job site that answers all your questions even the one about how much u would make. It as well has links that can direct you to the school most most desire to go to.

Q: Heard of an auto insurance company called DIRECT?
The company in Raleigh, NC tried to charge me 26% interest for "low monthly payments", slipped $400 worth of unwanted "options" and wouldn't give me my check back when I told them I didn't want to do business with them. Even though I didn't sign the contracts, they deposited my check and applied for an insurance policy in my name. They called the police on me when I went back to demand my money. The police officer told me to report them to the North Carolina Attorney General. I did and eventually got all my money back. Just want to know if anyone else has had a bad experience with this company?

A: report them to the better business bureau , and the state attorney general . glad to see you are taking action , instead of laying down and takin it ......... cheers !

Q: can you have an automobile in one persons name and have the auto insurance in someone elses name ?
in the state of north carolina

A: in general,yes,but both names have to appear on the insurance policy, if you get pulled over by the cops. Insurance agent will let you, but it's more of a hassle to explain to authroities.

Q: Am I paying too much for my car insurance? If so, what auto insurance company do you recommend me?
Here's the details. I live in Forsyth County, North Carolina. I have a driving record of six years in California and North Carolina. There are no tickets on my driving records and there has only been one minor insurance claim in my past. Once, I bumped on the side of a van while reversing out of a parking space. That was over four years ago. Besides that, there's nothing else wrong with my driving history. I am married and our only car is a Ford Focus 2006. My current insurance company (IDS or Ameriprise) charges me $419 for six months. Do you think this fee is acceptable?

A: I pay less than half on liability only so If that's a fully comp then it's not bad. But you'll never know if someone can beat that price unless you do some shopping around.

Q: Please let me know!!!!?
Is it AT ALL possible for me to be on someone's auto insurance who lives in North Carolina. I live in Georgia, and my insurance will be about $400 without his insurance coverage (I just got my license and Im 20...lol). So, is it a way for me to be on my friends insurance while being in another state???? ALL of your answers are APPRECIATED!!!!

A: Ummmm...no. Many insurance companies here in NC will not insure out-of-state drivers. At least the one I work for doesn't. Plus you do not live in their household and therefore you are not a regular operator of his vehicles, so there is no valid reason for you to be on his policy, other than fraudulent ones (which another poster already mentioned). Plus, even if you were on an NC policy, once you wreck a vehicle in Georgia, the insurance company will find out that you are residing out of NC and will then likely cancel your friend's coverage, which will put him in a world of trouble. Considering you are newly licensed, and therefore considered an inexperienced operator, $400 really isn't that bad. I know people who pay farrrr more. I know I did when I was newly licensed. If you don't own a vehicle, you should look into non-owner's insurance. It is usually fairly reasonable. Good luck, please don't try anything fraudulent!!!

Q: Can I insure a car that is not in my name without insuring the owner?
My husband and I have been legally separated for five months in the state of North Carolina. I have been paying the auto insurance this whole time. The policy renewed this week for me to find out that he got, yet again, another speeding ticket. In the separation agreement the vehicle is named as mine but it is in his name due to the loan that is still owed on it. For the first six years of our marriage I stayed at home with the kids while he ruined my credit, therefore I cannot have the car logically transfered into my name. Can I stop paying for this policy and just get my own? He's always been a wreckless driver and doesn't think twice about drinking and driving. I'd rather not pay for his mistakes for the next three years. Any advise would be great! An update: I called my insurance agent and he said all I had to do was have my husband listed as the title owner but not a driver. So if he goes crazy and gets a speeding ticket, it won't effect my policy. Thanks to everyone that responded!

A: elizabeth b, Try getting an online insurance quote It's free and generally hassle free. http://www.goodinternetdeals.com/Auto-Insurance.html Hope it works out

Q: Do Illegal Immigrants drive un-insured just because they choose to?
It doesn't look like it from this article. What are your thoughts? http://www.totalimmigrationlaw.com/articles-north-carolina-illegal-immigrants-driving-policy.asp Apparently, the laws were designed to ensure that anyone driving in North Carolina, whether in the state legally or not, was familiar with the rules of the road and had auto insurance. But, allegedly in an effort to crack down on "terrorism," the state tightened its laws and eliminated several acceptable forms of ID. In 2006, applicants for driver's licenses were required to have a valid Social Security Number or visa. That means that illegal immigrants now have no way of renewing their driver's licenses. To legislators, this may have seemed like a great solution to illegal immigration: if immigrants didn't have any way of getting around the state (they must have figured), they'd leave and attempt to reenter through legal channels. The actual consequences of this law, though, are much less straightforward. An estimated 300,000 illegal immigrants live in North Carolina, according to sources. As their old driver's licenses begin to expire, they're finding themselves unable to get new ones. Without a valid driver's license, they can't withdraw money from a bank account or get auto insurance. States that deny licenses to illegal immigrants (like California) reportedly have higher rates of uninsured drivers than those that offer licenses to this group - in CA, a whopping 25% of drivers are uninsured. And this affects every North Carolina driver: insurers charge drivers a fee to cover accidents caused by uninsured drivers. As the number of drivers without insurance increases, so do the fees charged by insurance providers. And new drivers without proper documentation have no legal way to learn the rules of the road. Another fine planned that back-fired on our Government.

A: No, illegal immigrants do not drive un-insured just because they choose to. They are basically forced to because without documentation they are limited in the things they can do. For example, at one point in time an illegal immigrant from Mexico could use his Mantricular Consular card or birth certificate to get a regular state ID. Now, they have to have all sorts of documentation (I-9, SS#, visa, etc.) in the state of North Carolina. Personally, I would rather them have the State ID and there be some sort of documentation of just how many undocumented immigrants there are in the state. Otherwise, they drive around un-insured AND without any form of ID. Then, when an officer pulls them over they are simply written a ticket for driving without a license and the officer moves on. The undocumented immigrant never goes to court - opting instead to mail in the fine. Thus, the corrupt gov't continues to make money. It's a really crappy system that someone needs to fix. Better to legalize the immigrants who are here - having them pay retribution for coming illegally - and then focus on border security, etc. instead of running around like chickens with our heads lopped off, offering miniscule options (such as the one stated in the article) that really only cause more problems in the end. It's like trying to throw water on a grease fire - really dangerous.