Introduction
In 2023, North Carolina introduced new auto insurance laws that aim to improve road safety and protect drivers. These laws include changes to minimum coverage requirements, penalties for driving without insurance, and more. Here's what you need to know about the new North Carolina auto insurance laws.
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Minimum Coverage Requirements
Under the new laws, North Carolina drivers must carry a minimum of:
- $30,000 in bodily injury liability coverage per person
- $60,000 in total bodily injury liability coverage per accident
- $25,000 in property damage liability coverage
These amounts represent an increase from the previous minimum requirements. Drivers who fail to maintain adequate coverage may face fines, license suspension, and other penalties.
Penalties for Driving Without Insurance
The new laws also introduce harsher penalties for driving without insurance. First-time offenders may face fines of up to $200 and a three-month license suspension. Repeat offenders may face higher fines and longer suspension periods.
Electronic Proof of Insurance
Under the new laws, North Carolina drivers can now provide electronic proof of insurance using their smartphones or other electronic devices. This change aims to make it easier for drivers to provide proof of coverage when requested by law enforcement officers.
Uninsured Motorist Coverage
The new laws also require insurance companies to offer uninsured motorist coverage to all policyholders. This coverage protects drivers in the event of an accident with an uninsured driver. However, policyholders have the option to decline this coverage in writing.