Questions About North Carolina Auto Insurance NC
The questions you wanted answers to about your North carolina auto insurance policy.
Our Mailbag: The Questions You Asked About Your North carolina Auto Insurance
 That’s right, we get mail too!
We spend a lot of time here at car insurance news trying to help you navigate the ins and outs of the car insurance system, but there are more questions about auto insurance in general, and North carolina auto insurance in particular, that we hear about from our readers than we’ll ever be able to write an article about! That’s why I wanted to take a second today to go through some of your most frequently asked questions and give you the answers you’ve been looking for!
How much coverage do I have to have on my North carolina auto insurance policy?
Since just about every state has its own policies when it comes to minimum auto insurance limits, we hear this one a lot! North carolina is not a no fault state, and drivers are required to carry:
o $30,000 per person and $60,000 per accident in Bodily Injury Liability
o $25,000 per accident in Property Damage Liability
o $30,000 per person and $60,000 per accident in Uninsured/Underinsured Motorist Bodily Injury
o $25,000 per accident in Uninsured Motorist Property Damage
How do I get cheap auto insurance rates?
We’ve gone into this in depth a couple of times here, so I’m going to let this one go for the moment. If you want to learn more about how to save money on your auto insurance, feel free to browse through our article directory.
Will my first speeding ticket hurt my auto insurance rates? What if I get a ticket in another state?
Whether you get busted driving over the limit in North carolina or North Dakota, your auto insurance provider is going to penalize you for it. The good news is, if you’re cooperative and follow the judge’s orders (which usually include attending a driver’s improvement class) you can usually get your first speeding ticket dropped off your record.
Do I need insurance if I only have a learner’s permit?
In North carolina, auto insurance is a pretty serious thing. If you’re going to be behind the wheel at all, even if you’re still driving with another licensed driver, you need to be covered by that vehicle’s auto insurance policy.
Am I covered by my friend’s auto insurance policy if I’m driving their car?
Every auto insurance company has a different policy when it comes to letting other people drive their cars; however, in general if you’re over 25 your friend’s insurance is going to cover you. If you’re not 25 yet (or your friend doesn’t have a clue about what their insurance does or doesn’t cover) it would be wise to call their insurer first-or better yet, just hand over the keys.
Can I insure my car if I don’t have a license?
This is actually much more common than you might think. It’s not unusual at all for a driver with a suspended driver’s license to maintain insurance coverage on their car, especially if they have a loan that says they have to! Remember, you can insure it. You just can’t drive it.
That’s it for today, boys and girls! Tune in next time for, “Frequently asked questions about your North carolina auto insurance policy.” Bye bye now!
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