North Carolina law requires that all drivers have minimum car 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.
It's possible to get car insurance without a license, and if someone other than you is going to drive your vehicle, it's necessary. However, some companies may be cautious about insuring unlicensed customers, while some states require that you include at least one licensed driver in the policy. You can get the location of the nearest DMV office by consulting the state government's phone book or by contacting the DMV by email. Proof of insurance is required to obtain a driver's license.
Driver's licenses are issued for the type of vehicle that will be driven. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If another driver's negligence caused your car accident, the other driver's insurance must pay your claim. When buying car insurance for the first time, the insurer usually asks for your driver's license number in order to check your driving record, which helps insurers determine what their rate should be.
An insurance company licensed to operate in North Carolina must provide the insurance policy. However, other insurers don't, so you may have to shop around to find a company that offers car insurance for unlicensed drivers. 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. Some insurance companies allow the person who buys the car insurance policy to designate someone other than themselves as the primary driver, that is, the person who will drive the car the most.
