Legal Requirements and Penalties for Driving Without Auto Insurance

Driving without automobile insurance in and around Burlington, NC is risky and illegal. The state demands that all drivers obtain a minimum coverage for protection in case of accidents. Failure to comply results in severe penalties that may bankrupt an individual.

Minimum Insurance Requirements

Liability insurance coverage is the minimum requirement to operate a vehicle legally. These limits ensure drivers have sufficient coverage to compensate others for injuries or damages they cause in a car accident.

Penalties for Non-Compliance

Those who drive without auto insurance in North Carolina face significant penalties. The consequences may include fines, license suspension, and even imprisonment in severe cases.

First-time offenders can receive up to $150 in fines and potential court costs. Additionally, their vehicle registration and license plates may be suspended for up to 30 days. To reinstate these privileges, the driver must provide proof of insurance coverage and pay a reinstatement fee.

Repeat offenders and the uninsured face harsher penalties, primarily if an accident occurs. Continued offenses can lead to up to $500 in fines, license plate and registration suspensions, and possible community service requirements. In cases involving accidents, drivers may also be responsible for covering the costs for all damages, which can lead to financial ruin in the long term. 

Importance of Compliance

Complying with auto insurance requirements isn’t just about avoiding penalties; it’s about being responsible and caring for others on the road. Insurance coverage protects the driver and others involved in an accident. Without it, individuals risk facing substantial financial burdens, legal consequences, and hardships in the event of a collision. 

Let Don Allred Insurance Inform You

Don Allred Insurance answers your auto insurance questions and serves the Burlington, NC, region. Call us today for updated and valuable information.