Because commuting is a daily part of life, car insurance is a necessary expense for most people. However, it is a complex subject governed by various laws, so you may not understand all aspects of the topic. To clarify matters, Zimmerman Insurance Agency, the most trusted broker in High Point, answers some of the most frequently asked questions about North Carolina automobile insurance.

North Carolina Car Insurance FAQ

Does North Carolina Require Automobile Insurance?

Every U.S. state except New Hampshire requires drivers to purchase a minimum amount of car insurance before they can legally operate the vehicle. North Carolina is no exception. All motor vehicle owners must maintain continuous liability insurance on their car or motorcycle as long as it has a valid license plate.

How Much Liability Insurance Is Legally Required in North Carolina?

Car owners must purchase bodily injury liability amounts of at least $30,000 per person per accident, with a total of $60,000 per accident. They also need property damage liability coverage of at least $25,000 per event. Higher limits of liability are also available and recommended. These are the legal minimums, but it’s advised to insure newer cars with additional comprehensive and collision coverage, as well.

Is There a Penalty if Insurance Lapses?

Yes, in North Carolina, insurers are required to notify the Department of Motor Vehicles if your policy lapses. If you cannot show you have valid coverage within 10 days, you will be assessed a fine of $50 for the first lapse within a three-year period, $100 for a second offense, and $150 for a third lapse. Failure to pay these can result in additional fines and loss of vehicle registration.

Are All Insurers Accepted?

Out-of-state policies are not accepted for vehicles registered in North Carolina. Likewise, any insurers must be licensed to do business in the state or their policies are not considered valid.

To speak with an experienced broker about an affordable car insurance policy, contact Zimmerman Insurance Agency in High Point, NC. Since 1963, their agents have helped drivers throughout the Triad area protect themselves and their vehicles against accidents and other misfortunes. Visit their website to learn more about their auto coverage, or call (336) 883-6512 to request a quote.