Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.
You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.
In North Carolina, drivers are legally required to carry a minimum amount of auto insurance coverage. This includes bodily injury liability coverage, with a minimum of $30,000 per person and $60,000 per accident, and property damage liability coverage, with a minimum of $25,000. North Carolina law also mandates uninsured/underinsured motorist coverage with the same minimums. Drivers must provide proof of insurance when stopped by law enforcement, when involved in a traffic accident, or when registering a vehicle. Failure to show proof of insurance can result in citations and penalties, including fines and the possibility of license suspension. Additionally, North Carolina requires that insurance be continuously maintained on a registered vehicle, and there are penalties for lapses in coverage.