It's a question that many don't know the answer to, even though information can be vital. You must have car insurance in North Carolina to be able to legally drive a car on public roads. In most cases, the seller won't allow you to buy a car without proof of insurance in hand. It's common practice for insurance companies to allow you to rent a vehicle while yours is being repaired.
No, liability insurance only pays for other people's injuries and property damage for which the insured driver is legally responsible. Insurance companies have the option of insuring you through a North Carolina Reinsurance Center (NCRF). However, keep in mind that if Florida is your secondary state, your insurance policy, regardless of where you buy it, must include Florida's minimum mandatory insurance coverage. To get unlicensed car insurance, you must exclude yourself as a driver in the policy and include a licensed family member, friend, or caregiver as the primary driver.
Penalties for driving without insurance in North Carolina can be high, so you should take out insurance right away and have proof of coverage at all times. The insurance company and the insured will pay the chosen appraiser and bear the costs of the appraisal and the arbitrator in equal parts. If you obtain or recover your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured in the policy. Most states allow members of the armed forces to keep their car registration and insurance in the state where they are legally resident.
