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While most people drive every day, getting behind the wheel poses some risks, which is why every state requires that everyone on the road carry at least enough car insurance to pay for injuries they might cause. North Carolina, for example, mandates that every driver should continuously maintain liability insurance with at least $30,000 for bodily injuries per person, $60,000 for everyone injured, and $25,000 for property damage. Anyone who drives without adequate coverage runs the risk of incurring serious penalties.

Criminal Penalties

car insuranceIn North Carolina, driving without adequate car insurance is considered a misdemeanor offense, with penalties that could include stiff fines, loss of your vehicle registration, and even jail time. While laws and regulations differ from one state to the next, in most jurisdictions’ penalties are assessed based largely on how often a driver has allowed their insurance to lapse by not paying premiums on time and whether they've been caught driving without insurance in the past.

Liability Risks

Even if you aren't caught by the police, what happens if you cause an accident resulting in serious injuries to someone else? Without adequate liability insurance, they have the right to sue you for damages, which potentially threatens everything you own. Auto accidents can easily result in hundreds of thousands of dollars in medical bills, which you could be held responsible for without the right car insurance policy.

Additional Risks

Carrying only a liability policy may not provide enough protection to protect you against the unexpected. Uninsured motorist insurance, for example, will pay your expenses if you're hurt by a driver who doesn't have enough coverage, while collision insurance pays for damage to your own vehicle in an accident you've caused. Your insurance agent will help you get all the coverage you need.

 

For over 20 years, Dewey Beckner of Allstate Insurance Companies has provided drivers throughout the High Point, NC, area with policies backed by one of the leading carriers in the nation. Visit his website or Facebook to learn more about your wide range of options, or call (336) 884-5636 to request car insurance quotes.

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