The General® is pleased to offer insurance in North Carolina. From the Appalachian Mountains in Asheville to the sandy beaches in the Outer Banks The General® has you covered. The General® offers affordable insurance in the Tar Heel State even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked. No need to worry The General® has you covered.

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Below is some information that should help answer some of the more common questions we receive from our North Carolina customers.

North Carolina Mandatory Coverages

North Carolina drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. The coverage minimums are:

  • Bodily Injury Liability: $30,000 per person and $60,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured or Combined Uninsured/Underinsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident
  • Uninsured Motorist Property Damage: $25,000 per accident

Frequently Asked Questions Regarding North Carolina Auto Insurance

What is Uninsured/Underinsured Motorist coverage?

Coverage which protects you and the people in your car in the event another driver hits you with no auto insurance or not enough insurance to cover the loss.

What is the difference between Collision and Other than Collision coverage?

Other than Collision coverage typically covers damage from fire, theft, explosion, glass breakage, animal collision and other incidents not covered by collision coverage. Collision is usually defined as colliding with another object or overturning.

Is there a penalty if my liability insurance coverage lapses?

Yes. If your liability insurance coverage lapses for any reason, the insurance company is required to notify the North Carolina Department of Motor Vehicles, which will send you a termination notice. You will then have 10 days from the date printed on the notice to respond.

Penalties assessed for a lapse in liability insurance are based on the number of prior lapses a registered owner has had on his or her vehicle within three years of the current lapse:

  • $50 – first lapse
  • $100 – second lapse
  • $150 – subsequent lapses

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

North Carolina Department of Insurance
North Carolina Department of Motor Vehicles
North Carolina Department of Public Safety
The Official Website of the State of North Carolina