What Insurance Documents Do I Need To Keep In My Car?

What Insurance Documents Do I Need To Keep In My Car?

Car insurance North Carolina is a basic requirement for every vehicle owner in the state. Therefore, to promote financial responsibility among motorists, North Carolina law has set minimum liability coverage. Explore the legal obligations that you have as a vehicle owner in North Carolina.

Is Car Insurance Mandatory? 

Every vehicle registered in North Carolina must have continuous liability insurance from a licensed insurer in North Carolina. Thus, the Department of Motor Vehicles has set a minimum coverage requirement as below:

  • Bodily Injury: $30,00 per person
  • Bodily Injury for two or more people: $60,000
  • Property Damage Liability: $25,000
  • Uninsured motorist bodily injury liability per person: $30,000
  • Uninsured motorist bodily injury liability per accident: $60,000
  • Underinsured motorist property damage limit: $25,000

You might be interested in Car Insurance in Atlanta to know more about the coverages provided by them. Also, you can look at “insurance agent near me” to know about the best agents to provide you best and reliable information about insurance. Moreover, we provide you information on local insurance agents near you to help you find the best policies as well.

what insurance documents do i need to keep in my car

Penalties for Failure in Obtaining Required Car Insurance

North Carolina can be pretty strict when it comes to the financial responsibilities of motorists at the time of road accidents. Hence, the authorities have set potential punishments for those who fail to carry the required minimum insurance.

  • First offense: $50 civil penalty and reinstatement fee each. Plus, you may face a probationary period of up to 45 days. Additionally, you risk suspension of your license plates and registration for 30 days.
  • Second offense: $100 civil penalty plus the probability of jail time up to 45 days. Also, your license plate may be suspended.
  • Third offense: $150 civil penalty. Plus, other penalties – same as the second offense.

The Right Car Insurance for You

To meet the legal requirements and to have a safety net while on the roads, you must choose the right insurance for you. Among thousands of carrier options which is the most suitable for you? Moreover, what’s the best policy for you?

The right policy boils down to two main points: adequate coverage and budget-friendliness.

You should be able to rely on your car insurance when you get into an accident – fault or no-fault, your policy should cover your losses. That’s the whole point of getting insurance anyway! Therefore, learn about the policy coverages, exclusions, and gaps before you purchase one.

Secondly, the insurance shouldn’t be too costly for your pockets. Understand your insurance needs. Screen out the coverages you don’t need and pay only for what you want. Additionally, look at different discounts available. Car insurance companies in North Carolina offer different discounts for low mileage vehicles, good students, safe drivers, full premium payers, and more.

Start your insurance shopping by getting a quote from top insurers in North Carolina for free!

Lastly, get to know about insurance agents and local insurance agents to help you provide insurance policies. Or with the help of ideas on insurance marketing or marketing for insurance you can also thrive on becoming an independent insurance agent.

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