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Different Set Of Auto Insurance Laws For North Carolina

If you live in the state of North Carolina, it is not only important to get low cost auto insurance but to also follow the auto insurance laws of the state. Almost all states have compulsory auto insurance laws, North Carolina is no exception but they do have some exceptions that other states do not. Making sure that you are compliant with the laws of your state is very important to avoid legal trouble should you have an auto accident or if you are looking to obtain a license. Knowing the specific laws that every state has is the only way to make sure that you are fully covered.

North Carolina has a compulsory auto insurance law. Like most other states, they require that you have collision insurance. Collision insurance is insurance that provides coverage for physical damage and for bodily injury. All drivers within the state must have auto insurance to obtain a license.

There are also certain laws that must be followed to obtain a license that are different than in other states. In North Carolina, you must obtain a drivers permit for the time period of over one year. You are not permitted to take your drivers exam, under the age of eighteen, unless you have obtained and driven on a learners permit for a year to date. So, no matter when you turn the legal age to obtain a drivers license, which is 16, you cannot get your license until you have had your permit for a year. Also, to obtain a permit, you must be able to prove that you are in good standing with school. Because of the push in North Carolina education to obtain better high school education rates, you are unable to obtain a permit without a note from school verifying that you are in good standing and attending regularly.

Also, the process for obtaining your permit is very similar to obtaining your driver’s license. You must have all the same documentation, proof of residence, birth certificate and social security card, and you must have completed a driver’s education course. You must bring all the documents along, with proof from the school, to the DMV where you then have to take a written drivers exam. To get your permit, you must pass the exam otherwise you must return later and try again.

After having your permit for a year’s time, you are then eligible to obtain a full driver’s license. In more than one year time, you must go again to the DMV with your learners permit and proof of insurance. The proof of insurance needs to be in place before you can obtain a driver’s license. If you have all the necessary documentation, you must pass a driver’s skill test. If you are able to pass all the requirements, then you will receive your first driver’s license. It is a more thorough process than with other states.

Once you obtain your license, you must always carry insurance. Unlike other states, however, that mandate that you carry a copy of proof of insurance with you, North Carolina does not. Although you are not required to carry proof of insurance with you, should you be in an accident you are required to have the information of your carrier and all other pertinent information you need to exchange with the other driver.

There are other states which have different rules for auto insurance. Although most states have a compulsory auto insurance law, there are some who do not. They do have requirements to insure that motor vehicle drivers give some assurances if they are in an accident, but they are different than the other states in terms of auto insurance.

Virginia, for instance, does not require that you drive. If you decide, however, not to insure yourself as a driver, that is your choice. If you do not cover yourself you are required to pay to the state a $500 annual fee per vehicle as insurance. Other states that vary from the compulsory mandate of most states are Mississippi and New Hampshire. In these states, as well, you are not required to carry auto insurance. You must post a bond payable to the state to cover any potential damages that are caused during an accident. So, although they do not have insurance mandates, per se, they do address the problem of uninsured drivers.

Each state retains the right to impose laws upon the people who obtain a license within it. They do so in order to protect those who drive as well as the public in general. Driving without insurance is a costly thing for not only the individuals who drive, but for the tax payers who will have the responsibility to pay if they had no insurance. Although there has been huge debate about the problem since insurance began, the fact remains that when one person drives without insurance they put the risk on everyone. With the number of uninsured drivers increases over recent years, more needs to be done to make insurance more affordable to the public at large. There are those who want to be compliant, but in today’s economic times, simply cannot afford it.

The insurance for a teenager when added to existing policies can increase the policy substantially. Adding a teenager can be a hardship on the family resources. Take just a moment now to potentially save hundred on your insurance costs. Simply fill out your zip code, and see how your current rate measures up. Why wait another moment to potentially start saving hundreds per year. You can see the price differential to add them instantly. Getting low cost auto insurance when you add a teenager to your policy is no easy endeavors but it a casualty of first time drivers without experience.