Proof of North Carolina car insurance has to be provided for almost anything you do with the North Carolina DMV.

Driven or not, all registered vehicles have to have insurance in North Carolina.

North Carolina requires that you show proof of insurance to make sure that their drivers have liability coverage before they allow them to hit the road. There are very few exceptions to this requirement. You are even required to provide proof of insurance on a vehicle that you have stored and aren’t even driving it.

So, to save yourself a lot of time and trouble, you should always bring in proof of North Carolina car insurance whenever you have to take care of something at the DMV. If they don’t need it they will tell you, but it is better to have it and not need it; than need it and not have it.

Required North Carolina Car Insurance

North Carolina requires that you carry the following car insurance coverage:

• $30,000 in liability coverage for injuries that you cause to a pedestrian or an occupant in another vehicle.

• $60,000 in liability coverage for the total medical expenses from multiple pedestrians or occupants in a different vehicle than yours. This is all in a single accident.

• $25,000 in liability coverage for the damage you cause to another person’s vehicle or any other property that is not yours.

North Carolina Car Insurance and Your Driver’s License

Whether or not you have to provide proof that you have North Carolina car insurance will depend on the circumstances surrounding why you are getting your license. If you are getting your license for any of the following reasons you will have to provide proof:

• You are getting your license for the first time.

• You have moved from a different state and are applying for a North Carolina license.

• You have been awarded “Limited Driving Privileges” by the courts.

• You are getting your license restored after it has been suspended or revoked.

You can provide proof of insurance by submitting an insurance binder, insurance card or insurance policy to the DMV from an insurance company that is license to sell North Carolina car insurance. You can also fill out a DL-123 DMV form to submit your insurance information.

In the event that you do not own a vehicle and you will not be driving a fleet vehicle, you will have to file for an exemption from providing proof of insurance. You can do so by filling out DMV form DL-123A.

Cancelling Your North Carolina Car Insurance

Do not cancel your North Carolina car insurance before you have turned in your license plates. Even if you have decided to store your vehicle, it still has to have insurance on it as long as it is registered and it has plates.

If the state finds out that you cancelled your insurance before you turned in your plates you will be subject to penalties for not having insurance on a registered vehicle. The best thing to do is to turn in your license plates to the state first, and then cancel your North Carolina car insurance.

Keep yourself protected and opt to purchase more Connecticut car insurance than what is required.

Connecticut car insurance is required to prevent you from drowning in an ocean of car accident expenses.

Compared to other states, Connecticut car insurance requirements are a bit low. They aren’t the lowest in the nation, but they still should make you at least consider purchasing more coverage than what is required, so you are protected.

Even with the low coverage requirements, Connecticut isn’t playing around when it mandates insurance coverage. Failing to follow Connecticut car insurance laws will not only get you penalized on the one vehicle you don’t have insured, but any vehicle you try to register.

Why Carry the Required Connecticut Car Insurance?

Liability coverage is required by the states to not only protect other drivers from injuries and damages you may cause, but to protect you financially as well. Without liability insurance to pay for the expenses leading from an accident that you are responsible for, you will have to pay for it out of your own pocket. This can take the rest of your life to payback depending on the payment plan you end up working out with the other person’s insurance company or with the courts.

Required Amount of Connecticut Car Insurance

Connecticut car insurance laws require that you carry no less than 20/40/10 in liability coverage.

Before I started working in the insurance industry I had no idea what 20/40/10 meant, so if you are like me let me explain.

The 20 at the beginning represents $20,000 in liability coverage to cover the injuries of just one person. This person cannot be in your vehicle and is someone that is in the other vehicle you hit or a pedestrian that you hit.

The 40 in the middle represents $40,000 in liability coverage for all of the injuries sustained by parties not in your vehicle.

Lastly, the 10 at the end is for the property damage that you may cause to someone else. It is $10,000 in coverage and can be for anything you hit with your car that does not belong to you.

Tracking Connecticut Car Insurance

The state tracks every Connecticut car insurance policy that is active, as well as when they are cancelled or lapsed. If they get notice that you no longer have insurance on a registered vehicle they will send you a notice that they call a “warning notice”. This notice will give you the chance to get insurance back on your vehicle and pay a $200 fine to avoid further penalties of violating Connecticut car insurance law.

Penalties for No Connecticut Car Insurance

In the event that you decide not to respond to your “warning letter”, you will receive a suspension letter. This is somewhat of a second chance letter before your vehicle registration is suspended. Once suspended though, Connecticut hits you hard and twice.

First, the registration on the vehicle you failed to maintain insurance on will be suspended. Then the state gets serious and blocks you from registering any vehicle at all. This block includes registration renewals on any current vehicles you already have or any new vehicles that need a new registration for.

This registration block even goes in effect for vehicles that you have kept Connecticut car insurance on without lapse.

Covering a young adult moving in and out of the house can cause both the parent and the insurance company to pull their hair out.

Let me start off by saying that this question really, really, really needs to be answered by your insurance company. This is a complicated question and each insurance company can have a different policy in regards to this situation.

Now, let’s break this down into the 3 main scenarios that happen in this case and what I would tell the clients of the insurance companies that I worked for:

1. If the young adult is living under your roof and driving your vehicles, they have to be on your insurance policy.

2. If the young adult is no longer living with you and has their own vehicle, they have to have their own insurance policy.

3. Lastly (and this is the one that gets everyone), if the young adult is temporarily away at school they should remain on your insurance policy. This will keep them covered for when they come home on vacations and want to drive your vehicle. It will also provide coverage if they are hit by a car while they are walking (if you have that coverage) or if they drive another person’s vehicle.

If you have already taken them off and the student is coming home for a vacation, you need to call you insurance agent to find out if you need to add them for the short period they will be home.

Congratulations to the many states that saw decreases in their insurance premiums in 2012.

It’s a new year and we have new leaders in the average premium rankings. Many states are breathing that sigh of relief that their insurance premiums went down this year (compared to last year’s premiums). Sadly, drivers in other states got hit in the wallets again with higher insurance premiums.

But, this is the way it goes every year.

Keep in mind also that these premiums are averages for your state; they may not accurately represent what you are paying for insurance. However, it may be time to start getting insurance quotes from new companies if your insurance premium went up and the state average went down.

Information provided by insure.com

The person liable for the accident you were in and who caused the damages to your vehicle is the one that has to pay for the damages.

Because you are the person that caused the damages, it means that you or your insurance has to pay for the damages to your vehicle. In addition to any other damages that you may have caused to property that is not yours.

Now, the term “full coverage” technically does not exist. If you are saying that you have comprehensive and collision coverage on your vehicle, then your insurance company can help pay for the damages. That’s what the coverage is there for right?

You do not have to pay anything out of your pocket (if you have coverage) other than your deductible. Unless you decide to not have your insurance company pay for the damages, then you have every right to pay for them out of your own pocket.