One option available to you is to purchase an auto insurance policy for non-homeowners. This type of policy can be issued to a driver without a vehicle and, due to the licensing requirements in North Carolina, many companies issue these policies to unlicensed drivers seeking to obtain a license. North Carolina law requires all drivers to have minimum auto insurance. If you have a driver's license in North Carolina, you must maintain minimum amounts of car insurance.
Unfortunately, many North Carolina drivers don't have car insurance. If you have suffered an injury as a result of a car accident in North Carolina, you may be entitled to compensation. Liability insurance protects drivers and their families against injuries and property damage caused by the negligence of other drivers who might have limited, minimal, or no liability insurance. To avoid penalties and fees, a person should not cancel their insurance until they have handed in their license plate to the N, C.
A person who has established permanent residence outside North Carolina should not rescind their North Carolina insurance policy until they have handed over their North Carolina license plate to the NCDMV. Failure to do so could result in a civil penalty. If the license plate is lost or stolen, you must complete an MVR-18A form. NCDMV Customer Service (91) 715-7000 Send messages Postal Addresses Find contact information for NCDOT employees, local offices and more.
Car insurance for people who don't own property is usually cheaper than car insurance with a car, but it depends on a few factors, such as your driving history and location. Car insurance generally depends on the car, not the driver, so when you borrow the car from someone (with the owner's permission), insurers usually have no problem covering you temporarily while driving. Allowing an auto insurance policy to expire without getting a new one is a red flag for insurers, as it can make it more expensive to get coverage in the future. North Carolina's liability insurance law is strictly enforced and insurance companies are required to notify N.
Car insurance for people who don't own cars is not only useful if you're constantly renting or borrowing a car, but it can also be useful if you're in between a car and don't want your coverage to expire. If another driver's negligence caused your car accident, the other driver's insurance must pay your claim. An insurance company licensed to operate in North Carolina must provide the insurance policy. The main cases in which you would need car insurance without a car are if you borrow a friend's car or rent it several times a month or more.
To find unlicensed insurance close to where you live, you should start by contacting the major insurers in your state or talking to an insurance broker or independent agent who can help you find a policy. North Carolina insurance companies are legally required to notify the North Carolina Division of Motor Vehicles (NCDMV) when a customer cancels their auto insurance or if coverage expires due to non-payment of the policy. If you live with someone who owns a car, such as a family member or spouse, and that person owns a car with an insurance policy attached to it, you must be included in their plan to receive their coverage. If you're constantly borrowing or renting cars, you should take out car insurance for people other than the owner.
You don't necessarily need a license to buy car insurance, but an insurer is much less likely to agree to cover you. Insurance companies believe that anyone you live with is likely to drive your car at least every six months. In addition, you should be able to rent cars from time to time without problems, since you can buy liability coverage at the rental agency when you receive the car.