Vehicle insurance for NC drivers is mandatory as long as the vehicle has a valid license plate. Because of this, every licensed motorist has valid insurance or faces a suspension in the registration of a vehicle as well as a suspension of a driver’s license. There are other risks associated with not having vehicle insurance, which is why it is wise to talk to an agent at a Raleigh auto insurance company to determine what the best coverage options are.
If a person is involved in an accident without insurance, they face much more than just having a suspension of their registration and license. They are also financially responsible for any damage incurred in the accident. North Carolina auto insurance is based on a tort system. Simply put, this means there are no restrictions at all on a lawsuit that is filed because of negligence. If a person is responsible for an accident and does not have the proper coverage, they are personally responsible for any and all fees incurred because of the accident.
There is a minimum amount for coverage for bodily injury for a single person, bodily injury for two or more people, and any damage that is caused to property because of the accident. In North Carolina, the minimum requirements are 25/50/15. Of course, a person is able to get better coverage so they are not still stuck with a huge bill if something should happen.
While there are nationwide insurance companies that want in on the action, it is better to go through a Raleigh auto insurance company. A company must be licensed and authorized to do business within the state, so a person is guaranteed to be dealing with an authorized insurance company this way. It is very easy to get quotes on any vehicle, and even easier to obtain the actual insurance coverage.